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Health Insurance Plans - Benefits to Different Plans & Providers Health insurance plans vary in their coverage and prices. The more coverage offered, the higher the premiums. This doesn't mean that the lowest premium is the cheapest. If you have to pay many out-of-pocket medical expenses, you could be paying more than if you had gone with a higher premium plan. Different plans benefit different people. Fee For Service Fee-for-service health insurance policies are the most common. You pay the medical bill and then you are reimbursed by the health insurance provider. You will also typically have co-pays and deductibles. Prices range widely with these types of policies - the higher the co-pays and deductibles, the lower the monthly premiums. The benefits of this type of insurance are that you get to choose which doctor to see and when to get immediate needed care. However, these types of plans do not typically cover preventative care like routine check-ups or tests. Managed Health Care » Discuss it » Continue Reading »
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