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All of these plans offer substantial health insurance benefits to members and their families
If you’re fortunate enough to have a choice of plan, consider the advantages, and disadvantages,
of each. Compare the cost of care, the difference in premiums, deductible amounts and your
freedom to choose a doctor outside the plan. There are numerous other coverages to compare as well
-- from prescription drugs to dental to alternative therapies. Be sure you understand the fine
points of each.
A second type of health insurance is Fee-for-Service,which normally covers the same
expenses as managed care. The difference is your doctor is paid for each visit,with the
claim filed by either the patient or the medical provider. A big advantage-- unlike some
managed care plans, Fee-for-Service allows the patient to visit the doctor of his, or her,
choice.
For those of you who are unemployed or self-employed, an individual health
insurance policy is always an option. Unfortunately rates for these policies are
high and the coverage is usually less comprehensive than a managed care plan.
The good news is that, in many cases, your insurance premium will be tax
deductible. Of course, if you’re married, you can always try to catch a ride on
your spouse’s group health insurance benefits plan.
Good luck, stay healthy... and be sure to understand all of the health
insurance basics before making your decision.
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