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Selecting a Health Insurance Plan

People that get their health insurance coverage through their employer, or their spouse's employer can often be limited in the choices they have in health coverage. However, people that are purchasing their own health care insurance police have many choices that they are able to make as to the type of health care coverage, choosing which doctors you will be able to see, and many other options relevant to their healthcare.

Often an insurance plan will give you a list of their preferred caregivers, and you must choose from among them. Other plans, may also offer you a list, but still allow you to see your preferred doctor if you are willing to pay the difference in cost above the insurance plan's rates. And others give you free reign to choose any caregiver that you want to , as long as your costs are kept within a predetermined ranged for any services performed, or you agree to pay pricey co-payments.

For instance, if a 35 year old woman has a group of physicians that she is used to dealing with for many years and that understand her medical history and any relevant treatment that you are receiving; it is possible under some health care plans that she may not be covered for visits to these doctors any longer or she may have to pay out of pocket to see them, should she choose to. This is common for HMO and PPO health insurance policies and can quickly grow to be expensive if a patient insists on seeing doctors that are not covered on the plan.

Or consider this example; a 22 year old male that has not made any regular doctor visits will likely not really care which doctor he sees. He may be very concerned about the amount that he has to pay per visit though. For this person an HMO or PPO plan could be just the plan he needs; it will provide a defined list of preferred caregivers that can save the insured party's time.

There are other types of healthcare insurance plans; like POS (point of service) plans and IPA (Individual Pacific Association). These types of plans can be a bit pricier than HMO or PPO plans. They do offer a much wider range of options and choices for the policyholder. There is a different, ideal, health insurance plan for every person. As of now, there are now design-your-own insurance plans, though many insurance companies are leaning in that direction. In the near future it may be possible to custom make your own health insurance plan. In fact there are insurance companies that are currently offering plans where you pay for only the options that you need or want.