Inanities in the Health Insurance World #1

A client's employee moves out of state to expand their business. The employee goes to a doctor about 3-4 times in the new state, making sure to visit a doctor that was under the company's carrier. Employee gets a bill for $3k.

Why? (Here comes the inane part)

Carrier considers anything out of state, including its own doctors, out of network and therefore nothing applies.

They generously have a visiting plan, but certain restrictions apply. You know how that goes. Anything that isn't an emergency/life & death situation, well too bad.

For those of you who don't get the inanity in this, umm, do we live in the UNITED States of America? How does going out of state constitute going out of the service area? We are AMERICANS. These states are OUR states. A comprehensive UNIVERSAL plan would pretty much eliminate this possibility, doncha think?