All of a sudden I feel extremely dumb. I'm trying to find out just exactly what the in-network fees are (and the implied savings by using an in-network provider) for a particular network. In this case, Humana, specifically HumanaOne in South Florida. They call this an Open Access Plus EPO network. It turns out that a few years ago there might have been a standard schedule of fees for services performed by in-network providers. But today, it seems that each provider negotiates their own in-network rates. How is that even possible... Humana could not provide me with any specifics regarding 'approved' in-network fees for services; they redirected me to my provider to find out what the in-network savings is versus the out-of-network cost. I am flabbergasted! How can I continue to sell a Humana HDHP not knowing what they could charge a client/member for an in-network service? After all, the claims dept doesn't even know, they leave it up to the provider to code it! All I'm looking for is simple stuff: how much do x-rays cost in-network; b) how much is an office visit, in-network, primary of specialist, I don't care; c) how much is a cholesterol test, a mammogram, a freakin' PSA!?!?! I've been telling people that the in-network benefit of an HDHP is not much more than a co-pay they were used to. Seems like I bought into the whole racket hook, line, & sinker... I am halting selling these plans until I get a satisfactory answer. Now, before I blow a gasket expending any more frustration on the next carrier and end up halting all my freakin' sales out of some sort of principled ignorance... somebody please tell me that there is a schedule of in-network fees, or at least a published in-network discount for other major carriers. Thanks!