Comment by FireBeyond

And for a while, for fun, they also varied pharmacy coverage by state. I live in WA, was traveling in CA for a holiday, and needed to visit urgent care in a town I didn't know well. All good, and then they asked what pharmacy. "Oh, CVS should work if there's one nearby", because that's what I used with my insurer in Washington.

Roll up to the CVS in the Target, and they tell me "Aetna doesn't cover CVS in California at this time"...