In one week we publish our book The End of employer-provided health insurance, which discusses the obvious solution to our nation's health insurance employer Leiden - employer-paid individual health insurance. The book is for pre-order on Amazon.com and BarnesandNoble.com available.
This item is part of an ongoing series of articles about the 10 reasons, group health insurance is Bad. is for you, your family and your company
The fourth health insurance basic group, your family is bad for you, and your business, because it is limited - do not you get your doctors and to bring hospitals. 
group health insurance is limited
A major limitation of the group health insurance is that you and your family do not have the get provider network get. The provider network refers (for example, doctors and hospitals) involved in the plan to the medical providers.
health insurance plans today are dominated by the managed care model for each plan, insurance companies keep a list of physicians and facilities, from which you can choose. This list is referred to the provider network. The provider network, the group of doctors, clinics, hospitals and other medical sites is covered by your health insurance. Various health insurance plans will provide you with different levels of coverage, depending on whether you. Medical care within or outside the provider network plan
For example, if you seek help outside the provider network, your insurance may not pay for the services or can pay a lesser amount. The health insurance you want to use the healthcare provider for two reasons in their network. (1) the provider meet the quality standards of the health plan, and (2) the providers require the insurance discounted rates for services to policyholders provided
health insurance plans group will usually have access to a provide provider network available. If you seek help outside the network of providers, can not pay for services your insurance, or to pay a lower amount. Today, most medical providers, from local pediatricians to large urban hospitals, invite patients include their health insurance network is not much higher prices (sometimes 10 times higher) than they charge for the exact same service as in its network.
if your preferred doctor or hospital providers are not in your group network of health insurance, the plan can not cover you if you continue to receive services from the doctors.
Even worse, is the only way to manage this problem is either (1) change medical providers; or (2) switch employers.
What is the solution?
you should change to individual health insurance because it is not limited. With an individual plan, you get to bring your doctors and hospitals. A frequently asked question regarding the individual health insurance is "can I keep my same doctor?"
The answer is yes . Each insurance company has a network of providers, including hospitals, laboratories, medical practices, imaging centers and pharmacies. Each insurance company has contracts with these medical providers arrange services covered plan members at a certain cost to provide. If you have a preferred physician, it is important to check the provider directory for each plan before purchasing a policy to ensure that it is your doctor in your new plan of the network.
I will go through reason number five (group health insurance is one-size-fits-all) tomorrow.
Click here to read all articles in to the series.
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