I was even restricted under my husband’s employee insurance to what Dr. I could use. They had to be in network or I had to pay extra to keep them. This has always been a problem with insurance. I had an emergency in KS and went to the emergency room at the hospital, the only one in town, my policy wouldn’t cover the cost. I had to pay the full $3,000. Insurance sucks.And it was until the insurance companies CHANGED THE RULES governing their policies so many who enrolled in ACA were forced to find new Doctors.