Dear Bogleheads,
I found this post by Boglehead neurosphere to be very interesting.
Here is the author's summary:
'In most cases choosing a plan with a restricted network and using out
of network care can still make sense in some cases.'
https://www.bogleheads.org/forum/viewtopic.php?p=8494757#p8494757
neurosphere is a former doc who gave up practice.
Thus he has perspective as both the patient and provider.
He's made several follow ups posts to this initial one.
You may find it valuable
Regards,
Mark