Choosing a Health Care Provider Author:    Posted under: Health InsuranceHealth Insurance questions answered

Choosing the right health care provider is a task so unnerving that we tend to put it off until the last minute. With the economic climate changing, the issue of health care becomes the least of your priority. But on the contrary, it is because of this economic seesaw that we should be more vigilant about our health care so that whatever happens we are covered- medically.

There are factors to be considered in choosing the right health care plan for you. If you are employed, it might be best to get an insurance plan through your employer. It will be cheaper but you also have to make sure that your plan is enough to cover your health needs (office visits, prescriptions and hospitalization). If, after studying your health plan and you think you need additional coverage, then by all means get one. It is safe to have all your bases covered especially if you are married and with children.

There are basically three types of health care plans available at your disposal- HMO or Health Maintenance Organization, PPO or Preferred Provider Organization and POS or Point-of-Service plan.

An HMO relatively costs much less than the other major health care plans. It focuses on the long-term care of its clients. They will provide you with a list of preferred doctors under their network. The physician that will be assigned to you will be responsible in referring you to specialists, if the need arises or if you need to be hospitalized.

PPO, on the other hand, allows you to choose your preferred physician, someone you’ve been seeing or consulting with for a long time already. Having the freedom to choose your own physician means that you’ll get to pay higher insurance premium.

The POS plan is a combination of HMO and PPO. The insured party has liberty of choosing his or her physician and that physician will refer him to specialist who may or may not be a part of the network. All health care will be coursed through the chosen physician.

Before enrolling on any of these health insurance plans, identify what you really need out of it. If your current plan doesn’t offer what you need, then by all means, consider switching or amending your current plan.

Also, make sure that the cost you are paying is worth the service that you are getting.

By keeping these factors in mind, you will be able to make an informed decision as to what plan to get and from which health care provider you will be getting it from.


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