If you have indemnity insurance, your plan only pays part of your medical bills. You are responsible for the rest. Your out-of-pocket costs are likely to be higher for certain services than with some managed care plans. Usually, you will need to spend a certain amount each year before your plan begins to pay benefits. This amount is called a deductible.
Deductibles are the amount of the covered expenses you must pay each year before your plan starts to reimburse you. Deductibles might range from $100 to $300 per year per covered person or $500 or more per year for a family.
The major difference between indemnity (nonnetwork
based coverage) and managed care
plans (network-based coverage) concerns
choice of doctors, hospitals, and other
providers; out-of-pocket costs for covered
services; and how bills are paid.
Be sure to check on the physicians and hospitals
that are included in the plan.
කතාව පහල ලින්ක් එකෙන් බා ගන්න
