There is a HUGE difference between "Take insurance" and "In Network"
Always ask for "in network" providers even for PPOs. They are almost always lower cost. All places "take" a particular insurance but they could be out of network and get little coverage from the insurance company. As long as its not zero coverage they can say the "take" that insurance.
Tricky folks. Everyone knows what you mean when you ask if they "take"
Aetna, Cigna or United healthcare. It means as close to fully covered as possible.
Its also not just the % of covered care but more importantly is the negotiated price for services. I've seen anywhere from 1/2 to 1/100th the cost of a service. Some labs are even free due to negotiated price so if you are on a 80/20 plan you pay 20% of a much lower cost for a service. outside of network providers don't have this an pass the full cost to the patient.
So many traps to get your money when you are not thinking financially due to your or your loved ones illness. shame..