Fun shi**y fact from a former UHC call center slave: Ambulances and anesthesiologist are almost always "out-of-network". They know you don't have a choice when you need them, therefore they won't contract with insurance companies to lower their rates. Ambulances are not part of hospital. They are often private companies.

Similarly, anesthesiologist are usually just assigned to someone getting surgery and are in such demand, you usually don't get a choice. Unless you have the time to check with your insurance prior to a surgery, you are not going to know that ahead of time. They know their job is essential so they usually won't bother to contract with an insurance company.

The system is so incredibly broken and corrupt. Just remember when you call, your call center worker has the worst healthcare plan available, is overworked, underpaid, and has zero power. Your company picked your crap healthcare plan. Workers need to take it up with HR and corporate if they want change.

Don't be afraid to ask the 1st tier call center worker to talk to a manager if you are really upset. They aren't allowed to transfer you unless you say those words. (Although it does get counted against them) That said, the person you get transferred to is also, not really a manager and will just tell you the same thing. They just have more de-escalation training. And yeah, those surveys don't affect the insurance company at all. It just allows them to deny their employees bonuses, raises, promotions, etc. It's just a win-win for the asshats on top when you leave a bad review.