UPDATE: We decided to go with option #3 (the larger private practice). I set up an initial appointment at 10weeks on a day when my program director will not be in the office.
Apparently I'm technically OON but they said they'll only hold me responsible for the deductible (which is $500) and nothing beyond that, so it seems pretty reasonable.
Interesting. It's possible that I didn't totally understand what they were saying or something. It's a well known reputable practice so I can't imagine their financial policies are flagrantly illegal.
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