I was in the hospital a few weeks ago and found they had a different system than what I was used to. The hospital had a Dr. who was the "hospitalist". This Dr. or group of Dr.'s oversaw my care and the treatment plans of my regular doctors. I had no choice in the matter and didn't even know this system was in place until day 2 of my admission.
Fast forward to present, I started receiving statement of benefits from my insurance company showing what they have paid to the hospital and hospitalist and I was floored. The hospital is the preferred provider for my insurer, and is supposed to be covered as an "in network" provider. However, the "hospitalist" is considered "out of network" because they are not an approved provider of my insurance company and is subject to a separate and higher deductible and payment at only 50%! Needless to say, I was left with over $2000 in out of pocket costs. I went to the hospital today and filed a complaint and got the charges reduced to in network charges so this saved me at least $1500.
I just wanted to share this in case someone else runs into this problem after being hospitalized. Don't be afraid to bring this to the attention of the patient advocate at the hospital!