Many employer offer some choices. Mine offers two providers and two plans for each. One is for profit (UHC) and the other is non-profit (Kaiser). The consensus

Many employer offer some choices. Mine offers two providers and two plans for each. One is for profit (UHC) and the other is non-profit (Kaiser). The consensus is that Kaiser rations healthcare and makes referrals difficult, but procedures are always covered. UHC let's people direct their own care, but reimbursement is less certain.