If you have started you your research into what the best health car plan for you and your family is then you’ve more then likely hit a few roadblocks. Don’t be alarmed, that’s actually a common occurrence for many consumers looking to find the best deal for their health care insurance needs, especially when trying to determine the best health care coverage for your loved ones. You may have noticed that some health care plans differ in the amount of coverage they provide, the amount you pay as a premium, your co-payment amounts and even your deductible amounts.
One of the major differences in many of today’s health care plans is what services and medical treatments they will cover, especially with many health insurance companies taking the high road of offering better benefits towards routine treatments and preventive health checkups in an effort to reduce illnesses, major medical emergencies and hospitalization requirements. You can expect a medical pre-screening or physical along with a lengthy health questionnaire in order to identify any current or pre-existing medical conditions that could eliminate your potential to receive health insurance.
If you do have medical issues to include diabetes, hepatitis or any other major medical condition and are still granted the right to receive health insurance coverage then be fully prepared to pay a higher premium for your health insurance. This is also true if you are labeled or identified as a smoker.
Health care plans are broken down into two different categories of coverage; the indemnity healthcare plan sometimes referred to as fee-for -service and the more common managed health care plan. Both have their pluses and minuses, as you will soon discover.
The indemnity plan offers the most flexibility because it allows you the privilege of choosing or using your own or preferred health care professional, whether they are a doctor, physician or medical specialist. You also have the right to pretty much go to any hospital or clinic to seek medical treatment and referrals are not necessary to seek out specialists in certain medical fields. However as with most things in life, the costs justify the means and an indemnity health plan is no different. The deductibles on these plans are higher then a managed health care plan and more money comes out of the patients pocket (sometimes upfront) based on letting you use a doctor that is outside the health network your health insurance provider has established.
Although most prescriptions and treatments are covered under these plans you can expect to pay for other medical procedures that seem rather mundane and routine such as a physical.
This ends part 1of our 2-part article on health care plans quickly and easily explained series of articles. Be on the lookout for our next article which will focus on the more common managed health care plans which includes Health Maintenance Organization (HMO), Preferred Provider Organization (PPO) and Point of service Plans (POS).