the plans say X, Y and Z doctors are eligible for payment in a given plan, so the dumbazzes get the plan, then they find out the doc's may be eligible, but refuse to participate and work for pennies... the plans say X, Y and Z doctors are eligible for payment in a given plan, so the dumbazzes get the plan, then they find out the doc's may be eligible, but refuse to participate and work for pennies...Besides lower reimbursement rates, the doctors are worried about getting stiffed by exchange clients. The doctors have have noway of knowing if their client’s insurance is valid until 90 days of non payment.