(Editor's note: This blog has been republished here with permission from Zane Benefits. This is part three of an ongoing series. You can check out part one here and you can read the original, in its entirety, here.)

Millions of Americans today are modern-day slaves either unable to retire early, working in jobs they don't really want, or working in jobs that don't actualize their full potential—all because they need their group health insurance to take care of themselves, a spouse, or a child with a chronic medical condition.

Patients with chronic medical conditions like depression, cancer, or diabetes typically require care by the same medical provider over a long period of time, and changing doctors can be very detrimental to their care as well as to their wallet.

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