One day, out of the blue, Dr. Chuang decided that she doesn't like my PPO provider, and therefore, would not allow my husband and me to be her patients any longer, even if we were willing to pay her upfront and deal with our insurance ourselves.
My company pays higher premiums to have employees in a PPO because you're not limited to staying in network, but Dr. Chuang doesn't care. So, my husband and I were denied service, even though we have valid insurance, have ALWAYS paid our co-pays at the time of service and offered to pay the full amount for the visit up front..
If you can't trust your doctor to be there when you need her, you need another doctor. I wouldn't knowingly get started with a doctor I can't trust to be there when I need her.