Doctors receive a fair portion of their pay from health insurance companies. However, all insurers automatically discount a portion of the amount the doctor bills for. This means that his or her payment will be significantly less than the amount that was billed. In fact, insurers pay less than even Medicare does for many procedures.
In order to find FREE health insurance rates online to help you save on medical bills, type your ZIP code into the tool provided on this page!
There are a lot of factors to take into consideration when looking at how much health insurance companies are paying doctors. Specialists and surgeons get significantly more than general practitioners. The average American doctor makes $95,000, but that skyrockets to an average of $225,000 for a surgeon.
What if I am not happy with my providers?
Consumers always have recourse in a market driven economy. Even though you are the patient, you are also the consumer. If you are unhappy with your health insurance, your doctor, your billing practices or any aspect of your health care, it is your prerogative to change it. You are not stuck using one that is not meeting your needs.
While it is very easy to change doctors, clinics and health care choices, it is somewhat more difficult to find reputable health insurance companies. If you belong to a group plan, you will need to find good individual health insurance to replace your employer sponsored plan. Typically this requires higher premiums because employers often subsidize their plans.
Another avenue of action for you when you are displeased with healthcare is to be vocal about it. This will help others who are seeking information prior to taking out their individual health insurance policies. You can put such accounts of your dissatisfaction on review sites online or contact a consumer watchdog group like the Better Business Bureau.
How can I save money on my health insurance?
If you are an individual looking for individual health insurance coverage, it is important to know how you can save some money while still getting good coverage. First it is important to evaluate how often you use healthcare, if you expect to use medical services regularly, or if you just want coverage for big health events. After this evaluation, you should have the information to choose the kind of health insurance you want more wisely.
Next, be reasonable about limits and deductibles. If you plan to only use health insurance for serious illness and injury, then you may want to opt for a higher than usual deductible. This will save you money on the cost of your premium. Lower yearly and lifetime limits will also keep the cost down, but be sure the limits are realistic.
Avoid covering additional individuals on your policy unnecessarily. In some states there are free or very inexpensive health insurance programs for children. If this is the case where you live, opt for such coverage. You and your children do not need the same insurer.
Evaluate the lifestyle choices you make that may affect your health insurance costs. If you have a very high risk job, consider seeking alternative employment. If you participate in high risk activities like skydiving, put an end to it.
If you smoke, quit. If you are overweight, take the steps to lose weight. All these lifestyle choices will help you find low health insurance coverage.
How can I get good health insurance coverage?
In order to get good health insurance and to save money on your coverage, it is important to shop around carefully and get a variety of quotes to compare and contrast. By doing so, you can secure the most competitive price possible for your individual health insurance needs.
You should also investigate a variety of factors as you look at the health insurance quotes you get. Carefully check the reputation of each company under consideration. Do online searches for consumer reports about how each insurer treats its customers.
Find out how the insurance company fares financially. Contact A.M. Best or another independent insurance rating company to get the letter grade of the insurer you are considering. That grade will tell you if the company is financially stable enough to meet its present and future obligations.
By doing all these things you will be able to get the best possible health insurance coverage. Get the health insurance quotes you need by entering your ZIP code into the FREE finder tool!