If youare one of many who are dissatisfied with their medical coverage donat be discouraged; there are other options. You can opt in for fee-for-service insurance plans that provide an alternative to your current coverage and in many cases save you money. Under these plans you pay for the services you use as you use them instead of paying in advance through a higher priced monthly premium.
Service plan members are required to pay low monthly premiums as well as the co-pay for services and finally a fee deducted per annum. People with this kind of insurance have an advantage over those without an insurance cover at all as they pay a much lower price. They also do not pay for medical check-ups, tests, in patient and outpatient in full.
There are however several disadvantages of fee-for service plans. One of them is that you have to choose your doctor and medical treatment facility from an approved list, you are not free to choose your own. Another disadvantage is that the fee-for service plans do not cater for preventative treatments. This implies that medical check-ups, immunization, and visits to doctors are paid by straight from your pocket as they arenat deductible.
The plans are perfectly suited for people that donat want the paperwork headaches resulting from insurance claims. If youare a heavy user of medical services this plan may not suit you. Families with young children may spend more than with traditional Medicare plans. However, if you are infrequently ill this plan may be perfect for you or your family.
Check to see if your fee-for-service plan will allow you to select doctors or services that are outside your planas network of approved providers. When you sign up for the plan youall be asked to choose a primary care physician who will act as your primary provider of healthcare and will be responsible for referring you to a specialist if conditions warrant that.
If you do require special treatment you can choose a doctor that is out of network however these services may cause you to incur an additional fee; and some of the services provided may not be completely covered by your insurer.
These plans are available to individuals or, if youare employed, to an employee based group. Every fee-for-service plan is different. This includes differences in monthly premium, co-pays services covered and the size of the provider network. Make sure you do your research;
When evaluating a plan consider whether your current physicians are members or of the new planas network. Make sure that youare comfortable with the depth of services offered and covered by the plan. Make sure that the service providers are located within a reasonable distance from where you live. If you suffer from a chronic illness make sure that the services you normally use are covered, at least in part, by the new plan.