Your health plan may promise to cover all your medical needs, but if you examine closely, you will realize it is more of an exception than a rule. No matter how high a premium you pay or however costly your policy is, there are always exceptions – either in terms of coverage or duration or the finances.
Most health plans in Florida do not cover all healthcare needs. Some of the common exclusions include home care, convenience products, nursing care, elective abortion procedures and reconstructive or aesthetic cosmetic surgery. It is important that a resident goes through the list of exclusions in his plan before he makes a final purchase. It is also possible to reduce the number of exclusions, but then residents have to pay a higher premium for it.
Managed healthcare plans Florida come cheap but they are the ones you need to be the most careful about. There is a prescribed network of healthcare service providers and you have to be careful that the network is in your neighborhood. Also since these plans concentrate on providing on primary and preventive health services, they are not a good option for those who suffer from a particular disease and need regular medical attention.
In an indemnity plan, there are generally no restrictions at all. However, the biggest drawback is that these plans are very costly and inaccessible to most Floridians. Moreover, here one has to pay for the medical bills upfront and get it reimbursed from the insurance company later on. This is not a convenient option for most Florida residents.
In the real world of health insurance, complete coverage usually translates to ‘almost complete coverage.’ Therefore it is important that residents do a comparison study so that they can access a plan that offers the maximum coverage. It is also important that residents read the documents carefully so that there are no rude shocks in store while making claims.
There is no perfect health plan. Residents just have to look for one that perfectly suits their health needs and financial capabilities.
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