BCBSTX is systematically NOT paying out-of-network providers and misinforming the public to: 1. eliminate competition by forcing people in-network where they can force underpayment to hospitals, clinics and providers 2. eliminate patient choice by forcing them into overcrowded clinics, hospitals and emergency rooms 3. decrease number of claims by promoting frustration and barriers to access 4. increase company profits by not paying claims but instead distributing member premiums to administrators or share-holders.... all on the back of not paying claims BCBSTX is NOT concerned about Texans, only profits. As an administrator, I hear first hand from providers, patients and business owners about the lawlessness that is allowed by BCBSTX. The TX legislators need to get serious about policing this giant or it will forever ruin people.