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I live in a mid sized urban area, a few blocks from a large hospital. My location was certainly beneficial when I needed emergency treatment. But for anything non-emergency, the waiting lists and "pre approval" battle are appalling.

My spouse, who lives in the same house, but has a different employer, gets much quicker treatment from the same clinics.

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How is this? All other things equal, certain companies simply get to jump the line over others?

I’ve personally experienced insurers having different “levels” of plans, and some employers pay for a higher level of cover than others. Once, I switched employers, my new employer perchance used the same health insurer as my old employer-but at a lower level of coverage.

I've seen and experienced this as well, but not to the point where calling the same doctor for an appointment would get me in earlier or later. More typically I have access to different doctors altogether, or need approval for certain doctors, or have different out-of-pocket costs.

Different insurance providers, each of which has its own rules about approving care.

Do they differentiate men/women? Another, is the insurance company same for both?

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