subject: Freedom Of Choice Can Be Quite Costly [print this page] It used to be that HMO and PPO plans were policies that everyone despised and tried to avoid. Many companies were looked down upon for instituting plans that limited the physicians that individuals could choose from. It was a time when indemnity plans reigned and where everyone had insurance that covered at a certain percentage and everyone had a deductible to pay but at least they still had freedom of choice.
Indemnity plans have almost priced themselves out of the market. Much different than 20 years ago. Long time users of indemnity plans are making the switch to HMO and PPO's. The current economy has changed and has in turn forced policy change to co-exist with less money to make a budget work effectively. Most everything, everywhere has had to make adaptable changes to survive.
And is the higher price really worth it. Well private practice doctors who are not in these plans think so and a few individuals who don't want to give up seeing one of these physicians agree but overall the cost offset is not worth it and these group insurance policies do still allow individuals the choice to see whomever they want but at a slightly higher rate then the in network providers.
It is beginning to be clear that the indemnity plans will not be a part of the health insurance policy options much longer. People for the most part will be happy getting the quality care they need, by whatever doctors are available on the plans they choose to participate in. Out of pocket expenses are of great concern to many policy holders and these plans seem to be the best out of pocket policy that uses designated providers. The benefits soar above the limitations of not getting to choose just any doctor not on the approved list to provide care.
It is also reassuring to know that if you feel you really need to services of a professional out side the network of benefits, you will still be covered, in addition to the extra money you will be required to pay. The insurance company is ok with such a decision on your part, but you will have to pay the difference out of your own pocket. What used to be considered choice limitations is really a very easy way to save some big money and letting the insurance company decide what provider will treat you really isn't as bad as it has been hyped up to be.
