Top Mistakes with Spanish In-''Network Only" Health Insurance Thinking of getting private health insurance in Spain? Many expats choose "closed network" (cuadro médico) policies for lower premiums, but not understanding the rules can lead to massive out-of-pocket expenses. Understand the limitations of a Spanish medical network Avoid these common mistakes: 1. Going to the "Closest" Hospital: Never assume a nearby hospital takes your insurance. You must check the specific cuad