"This happened to us often through the 90s and 00s, long predating Obama. Employer switches plans, your doc/medical group is suddenly not on the approved list. "Never ever happend to me. They always kept a PPO plan. In some cases, you could elect an HMO plan but that locked you into your local area - horrible if you travel. We had a cafeteria plan.....you got XXXX dollars in your account. Health care (PPO) and dental and vision and life insurance (basic) would easily fit into your amount of money. If you wanted family coverage, you had to pay a good part of the extra cost. I always had the same doc/dentist...until, of course, they retired...and I had to go hunting for new ones although they usually just had arrangements with a new doc so the transition was seemless. Now, folks are finding out that MOST of the ObamaKare plans are restricted to 'in network' doctors and hospitals and it probably isn't their choice or current doc. t.
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