Daily News Updates - Health Insurance News

Accepted or Excepted Health Insurance?, Pt.1 – Choices matter.

There are some subtle caveats in health insurance that many learn too late. What’s ‘capitated, non-capitated or even de-capitated , for that matter? Dr. Cary Presant MD has just posted a therapeutic article for Health News on the healthnews.com/blogs/cary-presant site. The good doctor prescribes carefully reading the directions, before choosing a health insurance plan. They’re not all alike and have differing side-affects. One of the more important of these side effects is getting to actually see a doctor in the first place. As the good doctor explains “many doctors won't see patients with certain types of [health] insurance!.” That’s not all…as he further explains: “many insurance companies won't contract with certain doctors they consider too expensive.” What do we do? Dr. Cary has some good advice for us.

Aside from HMOs and the like, which we already know pretty-much, cause us to stay within the health insurance provider’s networks (the ‘closed panel of physicians in a community’). There are other options, though. Dr. Cary has compiled some research data for us concerning what our best chances are for choices. Of the options beyond the HMO-type (Independent Practice Associations (IPAs), the data that Dr. Cary presents us with, the responses or our wide community of doctors nationwide. This comes from a study that was published by MMWR. The Morbidity and Mortality Weekly Report is under the auspices of CDC (the Center for Disease Control). A 2007 publication covered this nationwide survey, asking office-based physicians across our country which types of health insurance they would accept and which types they would refuse to accept.

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