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Coverage pays doctors and hospitals at the negotiated fee (in network). If not covered you will likely pay up to 80% more for the same services.
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In selecting a plan, a good first step is to do the math. Take your current plans monthly premiums x 12. This represents your best case health care cost year. Then look to your plans maximum out of pocket and add to your annual premium. This is your worst case health care cost year, and depending on your assumptions of health you will fall somewhere in the middle.
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If our clients want freedom of choice and ability to self refer then a PPO or indemnity plan (very expensive) is for them. If they don't mind managed care there is health cost savings with an HMO. This assumes heavy usage of the plan, but we still encourage or clients to do the math!
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Medical Savings Accounts PPO's High Deductible low maximum out of pocket PPO Plan with tax advantages.
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Can supplement health care plans with injury medical expense, dental, disability and major illness coverage.
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