We went to a network hospital...with a network OB and pediatrician. But the hospital used an out of network group for all of the in hospital newborn care and if course we didn't have a choice (or know).
Hundreds and hundreds of dollars in bills we didn't account for. Awesome.
Re: my turn for an insurance vent
If it makes you feel any better I'm currently in a backnforth with HR about DDs coverages. She keeps screwing up the paperwork and I keep having to bug her to fix it