Somewhat related here in the US - when we had our second child, it was touted that with health insurance the cost out of pocket with my insurance of having a child was less than USD$1,000. The medical care providers figured out a neat way around this: they have a bunch of professionals come to the room after your child is born and have you sign paperwork for the post-birth checkup. (What I learned: do not sign anything.) Then, each professional is billed as a separate private contractor and our health insurance didn't cover service from a private contractor, so we paid around $8K out of pocket for service that used to be covered as part of child birth. (The benefit being that the hospital doesn't get bargained down by insurance providers if you get suckered into paying out of pocket.)
I feel like there’s an legislative fix for this: If the doctor is on the premises and you allow them to see patients, they are “in network”. If the doctor doesn’t like it, they can bill the hospital separately.
