Most people get health insurance through a job-based health plan, or they buy it themselves from an insurance company.
If
you have to buy insurance on your own, many kinds of private health
insurance policies are for sale. Different kinds of policies can offer
very different kinds of benefits and can limit your access to some
doctors, hospitals, or other providers.
The
kinds of benefits and which care providers your policy covers can make a
big difference in your costs and the quality of care you get if you
become ill.
Can I keep my current doctor?
Private
health insurance plans often have networks of hospitals, doctors,
specialists, pharmacies, and other health care providers. Networks
include health care providers that have a contract with an insurer to
take care of the plan’s members.
When
choosing a plan, review the list of providers that give care under the
policy. If staying with your current doctors is important to you, check
to see if they are included.
Depending
on the type of policy you buy, care may be covered only when received
from a network provider. To get care from a specialist you may need a
referral from your primary care doctor.
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