out-of-pocketcosts increaseusingnon-par providers Nonetwork;members mayuseanydoctoror hospitalaccepting MedicareandHumana’s paymenttermsand conditions Nonetwork; membersmayuse anydoctoror hospitalaccepting Medicare ReferralRequirementsYes,inmostcases, PCPmustrefer membersneeding specialtycare No,butsomeprocedures...