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Mentor
You’re taking about in and out of network and then talking about in and out of state
I think the best place to post this would be in the company bowl. I also think emailing HR is probably even better.
Coach
Network != state
It’s about whether a doctor takes your insurance provider, not where that doctor is geographically
In general, most PCP's in major cities are typically "in network" with the most common insurance providers (Aetna, UHC). There are many exceptions obviously, but it is very likely your PCP is "in network" for McKinsey employees.