In the United States, some health insurance plans are designed so that the submitted expenses accumulate towards both the in-network and out-of-network deductibles (sometimes referred to as combined or integrated). Example of such clause:
Maximums for specific covered expenses, including visit, day and dollar maximums are combined maximums between network and out-of-network, unless specifically stated otherwise.
In such plans, is it financially preferable to visit out-of-network medical providers before reaching the in-network deductible, if one has to visit an out-of-network medical provider and that it is possible time the visit as one wishes, or did I miss something? (assuming that the out-of-network deductible is higher than the in-network deductible)