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13% of the healthcare dollar comes from out of pocket expenses.  You need to be aware of these statistics and find the best coverage for you as an individual or for your entire family. 

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With the rising cots of medical care, health insurance has now become a necessity.  Unfortunately, so many people are still unable to find affordable health insurance.  The health insurance system is so complex, so you need to be aware of your coverage, your deductibles and your entire policy.

Fee-For-Service - which means that the medical professional will be paid a fee for each service he or she provides.  Patients are seen by a doctor of their choice and then the claim is filed by either the doctor or the patient.

Managed Care - plans work differently and can include HMO's, PPO's and point-of-service plans.  These plans provide comprehensive service to their members and offer financial incentives to patients who use the providers included in their plans.

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