Insurance tips - Before choosing a health plan, be sure the doctors are "in network" and you can see specialists without a referral
Less costly plans often don't let you see specialists without a referral from your primary care doctor.
When you are considering plans, don't just choose the cheapest. Pay attention to who is and is not in network. About 90 percent of the time, it probably won't make a difference. But, that 10 percent can be a life-and-death situation.
In Minnesota where I'm from, the gold standard of choice is the Mayo Clinic. I won't pick a plan myself or recommend a plan that doesn't include the right to go there without begging for a referral
Was this article helpful? Yes -0 No -0 28