> Well the in network doctors are probably good too, you just want to see specific doctors, it sounds like.

Not necessarily. I'm paying extra for a better class of plan, myself, because when I moved to Arlington, I discovered that there were many PCPs who took my previous HMO insurance, and probably many of them were great, but all of them belonged to one of three practices, all of which practices had bad reputations for things like billing practices and wait times, and also all of which were owned by the same hospital chain, which has some policies I can't stand. So in an important sense, no, I had no choice at all if I wanted to see a doctor in my town.