LESSONS LEARNED. At Zuckerberg San Francisco General, a public hospital with San Francisco’s only trauma center, all commercial insurance is “out-of-network.”

“If you’re shot, stabbed, hit by a car, fall off a roof or suffer any other major injury in San Francisco, you’ll be whisked to San Francisco General Hospital, the only trauma center in the city. …But you may leave with a very unpleasant side-effect: a shockingly high bill. …That’s because S.F. General — whose

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