If you want to get traditional indemnity medical health insurance, also called FFS or fee for service medical health insurance, then you’re going to have to like paperwork. That’s why I’m including this video of a cute baby kitty in this post. Because, naturally, thinking of adorable kittens makes any distasteful action funner. Well, that might be overselling it a little bit.

Regardless of the extra amount of paperwork required, fee for service medical health insurance isn’t all that bad. It does cost more, with both more pricey monthly premiums as well as deductibles that tend to be on the high end, but at the same time it is a lot more flexible than many kinds of medical health insurance plans. If you’re willing to pay a little extra money and spend a little extra time for a lot more freedom and choice, then traditional indemnity medical health insurance might be the best option for you.

The Good:

• Lots of flexibility, in that you can pick what doctor, specialist, or hospital you patronize instead of having to choose out of a network and having to get a referral to go outside that network. It helps you take control of your medical experience and handle the way your health is going more than other, more controlling plans.
• No referrals, again. If you have to go to a specialist, you don’t have to worry about getting denied by the primary care giver that your insurance company picked for you. You can choose on your own.

The Bad:

• If you want the medical health insurance company to pay for the health insurance claim, you have to pay the deductible first, and this often is high. Also, after you have paid the deductible, you usually have to co-pay. Although the insurance company tends to pay around eighty percent, you still have to pay the other twenty.
• Your medical health insurance doesn’t cover your needs right away. Rather, you have to pay first and then file a health insurance claim to get your money (most of it) back to you.
• Traditional indemnity medical health insurance decides what is the normal price for a medical service, so if you go to a physician that is more expensive than others around the same area, then you’ll have to pay that extra money because the insurance won’t cover it.

Cheers,

Fashun Guadarrama.