With the rising cost of gas on the West coast – not to mention the regular daily cost of living – it wouldn’t be surprising if all Californians were looking for affordable California health insurance. However, since the cost of health care seems to be rising almost as fast as the cost of fuel, is it possible for Californians to find affordable California health insurance?
Yes. And the kind of health insurance plan that will give you the most “bang for your buck" is a Preferred Provider Organization, also known as a PPO.
A PPO works by contracting a network of doctors and other health care professionals that will provide the medical attention you need at the lowest cost. Understand the cost isn’t low because the doctors are cheap; the cost is low because these are doctors that are contracted to work with your PPO health insurance plan. So, under a PPO health insurance plan, you can choose from the PPO’s list of doctors and avoid paying outrageously high doctor bills; the price you will pay is considerably lower than what you would pay if you were covered under another type of health insurance plan, or, not covered by a health insurance plan at all.
It seems like the only downfall to finding affordable California health insurance through a PPO is that your choice of doctors is limited to the list provided by the PPO. However, it is actually possible for you to see doctors outside of the network; you may get a smaller percentage of the bill paid for you, and you may not.
If you choose to use a PPO for your affordable California health insurance plan, make sure to always find out whether or not the doctor you want to see is covered in the network. Many PPOs will provide you with a Web site to search at your own leisure, and of course a toll-free customer service hotline.
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