List of health care providers

A: All of the health plans supported by OnlineAdviser, including all those listed at FreedomBenefits.net, cover expenses with all doctors and hospitals in the U.S. There is no need to consult a list of providers. Just choose the doctor or hospital you want but be sure to reach an understanding as to who will submit the claim and what is your financial responsibility. Some medical providers agree to accept the payment provided by the health plan as full payment (after you pay your deductible), submit the claim themselves, and receive payment directly from the insurer. Many even allow you to pay your policy deductible over time. Other providers require cash payment at the time of service and expect you to handle all insurance matters. This is not a matter of which insurance policy you use, but rather an issue between you and your doctor. All health insurance policies pay the insured person directly unless otherwise directed by you to pay a medical provider instead. If you do not like the billing process, consider using another provider who meets all of your needs. Financial considerations must be balanced with medical care in order to achieve successful health care over the long term. There is some benefit in using a preferred provider (PPO) network to pre-determine the amount of charges for specific services. In rural areas, however, this may not be an option. Check www.ehealthdiscountplan.com to see a list of providers in your area who have agreed to accept discounted payments from America's largest PPO network. Some health insurance plans have built-in PPO network benefits, but the financial risk for not using them is usually not significant.