Which statement about issues related to in- and out-of-network care is incorrect?

The statement asserting that insurers often provide transparent information on out-of-network reimbursement rates is incorrect because, in practice, many consumers find this information to be unclear or not readily accessible. Insurers may not always communicate reimbursement rates effectively, leading to confusion among consumers regarding how much they will pay for out-of-network services. This lack of transparency can result in unexpected costs for individuals who seek care from out-of-network providers.

While it is true that consumers might rely on outdated directories for provider network participation, that reflects issues related to the accuracy of available information rather than the transparency efforts of insurers. Additionally, lower participation rates for certain specialties in in-network arrangements highlight the complexities in provider availability rather than insurer practices. Lastly, access to out-of-network coverage is a necessary consideration for consumers who may not find suitable in-network options, particularly in specialized care scenarios.