Every day Americans walk into hospitals, outpatient clinics, and surgical centers thinking they have good health insurance. They've done their research, picked the right plan, paid their premiums, and checked whether the facility was in-network. It's only after they receive care that they discover a dark secret in the US health care system: Even if you’re receiving care at an in-network facility, you can get hit with a surprise medical bill from an out-of-network doctor.