That's true, except we've learned with our employer self-funded plan that the insurance companies are getting away with not meeting their network adequacy requirements. I do not understand how we can read the requirements, yet they are not enforceable for some reason. Oh yes, we can still receive care and the plan pretends to cover us, but in the end, because the providers were out-of-network, even though there were no in-network available to us within hundreds to thousands of miles, we owe most of the bills and cannot meet our deductibles or max out-of-pocket despite owing more than $70,000.00. That is true despite ERISA protections and the network adequacy requirement. The new "protections" include too many loopholes.