> I get the whole "do your research", but often it's in areas in-which I have no real capability - especially with healthcare. Oh the system has answers – just

> I get the whole "do your research", but often it's in areas in-which I have no real capability - especially with healthcare. Oh the system has answers – just happen to be high enough at your company, or the spouse of someone who is. > While a benefits expert at a mid-sized company may create a narrow network, an executive's spouse, for example, may want to go somewhere not in the network. "And there's a pillow talk that happens. And the next thing you know that hospital is in the network," Ladd said. This whole "employer provides your healthcare" thing we have going on in the US is just nuts.