If you’ve had the same doctor for years and are very comfortable with the service you’re receiving, it is a difficult decision to have to abandon that medical professional in favor of another to ensure your health insurance plan covers you for medical visits.
But that’s exactly the dilemma that many Americans find themselves in when they switch health insurance plans or when their existing health insurance plan makes changes in its network of approved providers.
Luckily, there is another option available that allows you to keep your doctor and still manage your medical expenses well.
Health Insurance Limits the Physicians Plan Members Can See
One type of health insurance provider that is fairly common among Americans is a health maintenance organization (HMO), which provides coverage through a network of healthcare professionals. Often, a problem with HMOs is that they limit the coverage provided to members based on the physicians within their network. That means you’ll be restricted to care from a specific list of doctors if you want to be fully reimbursed for your medical bills.
If you have already been working with a specific physician for years and do not wish to make a change, your insurance plan likely will not pay for the services rendered. To be covered, the doctor you visit must be included in the list of healthcare practitioners within the plan’s network.
These types of restrictions are common with traditional health insurance plans. This is just one of the many reasons why more and more Americans have been switching to other types of programs to get financial assistance to cover medical bills.
Keep Your Doctor With UHSM Health Sharing Plans
If you are comfortable with the doctor you have been using and are not interested in switching to another simply to stay within your health insurance plan’s network of physicians, then it may be time to search for options other than traditional health insurance. Health sharing ministries offer a viable option to help you save on medical expenses, and they don’t require any changes to be made in terms of physicians you can see.
Members of UHSM health sharing programs are free to choose from a nationwide network of over 1,000,000 doctors and hospitals, representing 95% of U.S. providers. That means, in all likelihood, you can keep the doctor you love when you make the switch to UHSM.
But that’s not the only benefit of being a UHSM member. You’ll also find that the cost of membership is much lower than traditional health insurance premiums. In fact, you can save as much as 30% to 40% in costs compared to many health insurance plans. That’s reason enough to make the switch, particularly during these trying financial times.
Become a Member of UHSM Today
UHSM is a Christian health sharing ministry that also gives members the opportunity to be a part of something that allows them to help others, too. Member contributions for UHSM’s health sharing programs are appropriately distributed among members with eligible medical expenses. In this way, members are always helping fellow members, fulfilling the law of Christ.
If you want to keep your doctor, save money, and be a part of something that gives you the chance to help others while being helped, explore a UHSM program today! Click here to see how much you can save with a UHSM health share program.