reporter haley sweetland edwards wrote the story "you only think you're covered" for this week's issue of "time" magazine, and she joins me now from miami to discuss it. so, what is the trap that people are getting caught into? you basically break it down to this in-network versus out-of-network chasm. >> reporter: people will go to an in-network hospital, see an in-network provider, and over the cowrps of that medical visit, interact with other medical providers who are out of network. so an in-network hospital will contract with out-of-network providers-- radiologists, anesthesiologists, lab technicians, all of those people, even though they're working at an in-network hospital can be out of network and often are. >> sreenivasan: there's no way for a consumer ton when you walk in who is in network. it's not like they're wearing different colored uniforms? >> right. and even when patients ask ahead of time, "i'm going in for this procedure, is my doctor in network, is my anesthesiologist in new york." they don't know whether to ask is the consulting surgeon on duty that day who marine