The best approach at the moment at the moment is to work at a large company that’s self-insured. Obviously this isn’t an option for everyone, but at least in my experience at large tech companies, insurance plans with self-insured employers usually have reasonable fees and tend to be less likely to reject claims. My employer is self insured but uses Aetna’s network and billing systems.
The US really needs universal health care.
The best approach at the moment at the moment is to work at a large company that’s self-insured. Obviously this isn’t an option for everyone, but at least in my experience at large tech companies, insurance plans with self-insured employers usually have reasonable fees and tend to be less likely to reject claims. My employer is self insured but uses Aetna’s network and billing systems.