Are you looking for the best insurance plan that meets your needs in Virginia? It all depends on your needs. Here are some of the most popular plans.
Fee for Service Plan
This plan is also known as an indemnity and pays for doctor visits, hospital bills, prescription drugs, etc. You can even choose your own doctor. This plan requires you to pay a monthly premium, and then a deductible, before your insurer will begin paying your claim. You can also check out affordable custom coverage available in Virginia online.
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Health Maintenance Organization
This plan is best if you are looking for the lowest cost plan that covers your doctor visits, hospital bills and prescription drugs. You can also choose from a pre-approved list of doctors and hospitals. These plans require you to pay a monthly fee and a co-payment for each doctor's visit.
Preferred Provider Organization
This plan is best if you are looking for a plan that is cheaper than an indemnity and offers you choices about which hospitals and doctors you can use to get your care. Pre-approved doctors are less expensive than those who are not included in the plan. These plans allow you to pay for your medical services directly as they are rendered, rather than pre-paying.
Premiums are lower than an indemnity plan. You can also see any doctor that you like, and you will save money if you go to a pre approved doctor. After you have chosen the plan that best suits you, it is time to shop around to find the best rate.