On Mon, 11 Apr 2016 03:55:43 -0700 (PDT), Cindy Hamilton
> wrote:

>On Sunday, April 10, 2016 at 10:32:35 PM UTC-4, Doris Night wrote:
>
>> While we're on the topic, Americans (including you, Julie) frequently
>> go on about not having access to doctors outside of their insurance
>> company's group. I forget exactly what you call that. In Canada, there
>> are no restrictions like that.
>
>There are hundreds (or thousands) of different health insurance policies.
>
>With some, you are covered only if you see doctors approved by the
>insurance plan (unless it's an ER visit).
>
>With others, you are covered a lot for doctors participating in the plan, but
>less for doctors who are not participating in the plan.
>
>With still others, you can see any doctor anywhere and coverage is the same.
>
>Typically, the first arrangement is has the cheapest premiums and the
>third arrangement has the most expensive premiums. My employer offers
>insurance of the first type, and my husband's employer offers insurance
>of the second type. Our portion of the premiums is the same for either
>one, so we buy his insurance instead of mine. Why is the cost the same?
>Either it's because his company is a great deal larger than mine, or
>because his company picks up a greater percentage of the premium.
>
>Cindy Hamilton

Wow that's complicated ! It's very confusing - do they actually give
you lists so you will know where to go or who to see?