I'm considering switching to a health plan that's less expensive to buy. It will make me pay more money out-of-pocket if I use doctors who aren't in my insurer's network of preferred providers.

So I'm wondering, "What's the likelihood that I'll want an out-of-network specialist?"

Does that happen a lot when you get a less common disease, and you want to have a recognized expert to treat you? Does it only happen when an emergency prevents you from taking time to check if the ER people are in-network?

I'm especially hoping to hear from Blue Shield of California policyholders. That's my insurer.

Thanks!