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Choosing a Fee-For-Service Health Plan

Fee-for-service plans are the oldest kind of health insurance — but you don’t see them very often anymore. These days, more and more people turn to managed care plans.

But FFS plans are still available. And if cost isn’t a big concern when you’re shopping for a plan, an FFS plan might be your best bet.

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The Pros and Cons of FFS Plans

Fee-For-Service plans aren’t the best bargain you’ll find on the health insurance market. But what they lack in affordability they make up for in comprehensive care.

In general, FFS plans will provide the most coverage for major medical expenses. This includes specialist care, in-patient hospital treatment, and surgeries. While many managed care plans may leave you responsible for a large percentage of these expensive procedures, an FFS plan will typically cover these expenses.

FFS plans also give you the most choice and flexibility in how you receive your care. FFS plans cover a set of healthcare services. You can receive those services from any doctor or hospital you choose. With a managed care plan, you’re covered for certain services from certain doctors.

FFS plans traditionally require you to pay for the care you receive out of your own pocket, then file a claim to be reimbursed. But many plans will make payments directly to your doctor. To avoid unpleasant surprises, make sure you know how any plan you’re considering will make payments.

One of the downsides of FFS plans is that many of them don’t cover routine care. You may be on your own when it comes to paying for check-ups, lab work, and other preventive treatments. This is another good reason why FFS plans aren’t a good choice for people looking for affordability, or have a young family that is in and out of the doctor’s office frequently.

Find out more about your insurance options. Our network of licensed agents will help you sort out what’s available and choose the right plan. Fill out an easy online form, and you’ll be contacted with free insurance quotes.

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