You Can Find Affordable Health Insurance!
Whether you need insurance for yourself or for your family, Affordable Health Insurance can help you get educated and find the right plan for you. Start here today!
Get Your Free Affordable
Health Insurance Quote Today
Affordable Fee-for-Service Plans
If flexibility is what you need in a health plan, a fee-for-service plan could be what you’re looking for. Fee-for-service plans differ from HMOs and PPOs, in that they don’t operate based on a network of doctors or other providers. Instead, you can choose your own doctors, hospitals, and specialists with few limitations.
This means you can go to providers that are most conveniently located or those you already know or have a recommendation for. You can change doctors whenever you wish, and if you’re traveling and get sick, you can go to a hospital anywhere in the country.
Learn how much you can save with a Fee-for-Service Plan today!
Disadvantages of Fee-for-Service Plans
Disadvantages include the costs of your premiums, co-payments and the deductibles for your health care. Once your deductible is met – whether it’s $250, $500, or another amount – the insurance will reimburse you for part or all of the costs, depending on the service. For some services, the plan may cover a percentage of the cost while you continue to pay out-of-pocket for the rest.
Fortunately, most plans do have a cap on the maximum amount you can spend out-of-pocket. Once you reach this amount, they will continue and cover the remainder of your costs.
Another drawback is that you may have to fill out more paperwork to have the plan pay you for the services you’ve received. Unlike an HMO plan where you show your card to the doctor’s receptionist at your appointment, and pay a co-payment for service, the fee-for-service plan will require you to save more receipts and file more claims to get coverage.
Limitations of Fee-for-Service Health Coverage
Another difficulty with a fee-for-service plan is that it may not cover all the same services you have come to expect from other types of plans. Some types of preventive care, such as regular physical examinations or immunizations may not be covered by all fee-for-service plans.
Before you buy a fee-for-service plan, check to make sure that emergency and long-term care as well as the preventive care that you need are covered.
Learn how much you can save with a Fee-for-Service Plan today!
Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.
