With this type of plan, a primary care physician manages all your basic care. These plans require that you see network doctors for any reimbursement. In order to see a specialist, you must obtain a referral from the physician managing your care
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With this type of plan design, if you or your employee sees a doctor from a pre-selected group of network providers, you receive a discounted, pre-negotiated rate. If go outside of the network, you pay a higher percentage of the costs.
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This health plan matches a high deductible with lower monthly rates; it is tied to a Health Savings Account.
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