I don't usually take off the Mod hat, but here goes ...
JNF, I could not have asked better questions.
I am often amazed that everyone thinks "insurance" covers everything. It covers what is specified in the contract you bought.
The ACA promises certain improvements, but they happen on a schedule. We all have to be very careful about choices in the next few months.
My doctor (GP) does not accept Medicare, Medicad, or Tricare. He does accept their pricing, but not their payment lags. He has to pay his employees every week. He will charge no more than what they pay, but payment is up-front. If they refuse a procedure, you are stuck with paying, but at their rate.
AS would have never been an option for me ....