This is regarding money,money, money ---- but really as a BCBST subscriber I really do not like the last letter I rec'd from Memorial stating, "BlueCross doesn't have to make you pay a higher deductible or a higher co-pay. They can join Memorial in honoring in-network requirements. In the example above (i.e. shows in-net & out-of-net samples), BlueCross may make you pay nearly $3,200 more before ever paying a dime for your health care. They don't have to do that, but they may." REALLY !!! ??? I have a contract with BCBST stating they if I chose to use a non-network carrier I am responsible to pay as such. Let's face it both companies are in the money making business but I don't like the scare tactic that Memorial is using to the uninformed insured by BCBST. I have worked in medical billing for years and I know that many insurance subscribers do not truly understand how their own insurance works and Memorial knows this as they deal with it daily. Go BCBST - they stopped using Memorial because an agreement could not be met . Get your act together Memorial be honest both of you want to make money no need to scare people. I have used Memorial for years I will not at this time because they are now non-network and I don't wish to pay out of network. If Memorial states they will write off the difference then why not sign the contract?