A little nervous to post this as I really hope this is anonymous and doesn't jeopardize my employment here but need to say something if this effected someone else.
Ford being self insured has a direct incentive to keep healthcare costs down and I have run into a situation with them that has effected myself and a few others employed here.
If you need some sort of specialized treatment or care that is not provided by a Ford in-network doctor, forcing you to go out of network, ford will tell you you need to pay the much higher out of network costs even if you get a referral from an in network doctor saying the treatment is needed.
All I will say is do your homework.......