It wasn't a life-and-death situation, so the Silvers went to a hospital they knew accepted the Highmark Blue Cross Blue Shield insurance they had through work. Ethan's sprained knee was taped, and he was given crutches and told to follow up with an orthopedist. The Silvers paid their $100 co-pay and headed home to Blue Bell.
A few weeks later, they received a $200 bill from a doctor who examined Ethan in the emergency room. Confused, Hillary Silver called Highmark. She was told the doctor wasn't in the insurer's network. She and her husband were both incredulous.
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