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If you've delivered a baby under anesthetic/epidural then you've probably also encountered the "independent" anesthesiologist who works as subcontractor to the hospital and not the OB delivering the baby.

So now you have everything in-network, except the coin-flip of a guy that shows up 30 minutes before you hit the end of early labor. One time I got hit with an out-of-network refusal on the epidural and I flat out refused to pay it. It eventually (mysteriously) changed to an in-network charge.




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