Fee For Service Health Insurance
Fee for service health insurance plans assume that each time you see a health professional you will pay the fee. This approach gives you maximum flexibility. You are not 'locked in' to a particular doctor. You have your choice of physician or professional. Once you've seen a doctor and paid the bill you submit a claim report to the health insurance company. However, you must pay for treatment yourself, up-front (or negotiate a payment plan with the physician or institution).
While fee for service health insurance does not restrict the patient regarding doctor selection, it may still restrict the types of treatment that will be reimbursed. Always check the fine print on your policy before seeking a new or novel treatment. The other type of health insurance to look into is managed care health insurance.
Don't forget to look at the other pages like: Health Insurance, how do I choose a health policy, group health insurance and individual health insurance, health insurance questions, long term care and save money health insurance to make an informed decision.