It's like any other kind of business, you get what you pay for. If the doctors you are comfortable with accept one of the Advantage Health Care Plans being offered at no additional premium to you - great! All things are good. The theory insurer's use is to guide you to capable doctors who they either hire through their health networks or who are not associated with the more expensive teaching hospitals such as Johns Hopkins or in this case it sounds like The Moffitt Cancer Center.
There are options for people who want to choose, when, where and who provides their health care, but they will cost more.
Sometimes even the most comprehensive coverages are not accepted by all doctors. Doctors are businessmen too! If they can bring in patients who are willing to pay them at the time of care , requiring their patients wait to be reimbursed at a lower rate by their health carrier, they do.
Each person must examine their own medical needs with consideration to the medical expenses they can afford to incur. If you decide to go with a plan which appears to provide the medical care you need, but provides an option to opt out to non-participating providers, do yourself a favor and put aside a monthly amount for one year to use in the case that you want to go to a dotor not associated with your plan. Only we can plan for the medical care we may need. Hope this information is helpful to some of you facing health care issues.
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