Health care in America seems to be in a non-stop quagmire. Obamacare, despite the fact it has helped those with low income get coverage, is basically an intentional albatross meant to crush private insurance to eventually lead to a single payer system. My advice in the middle of this hole we find ourselves in is to just expand Medicare to every US citizen with much higher deductibles for the under 65 crowd included before 100% kicks in.
The population would then rely on the insurance industry to create attractive gap products or wrap-around coverage that eliminates or decreases the deductibles. Unfortunately, this would be too smart for the politicians to ever do. Until then you might consider an INDEMNITY HEALTH PLAN. Yes, they still exist. It is certainly one way to deal with this mess until it gets straightened out.
Modern day indemnities not only offer freedom of choice of doctors and hospitals but can be purchased with the valuable addition of one of the country's largest PPO's which not only provide automatic discounts for services being reimbursed by the indemnity plan but also includes discounted prices for most all services from providers in the network doctors – hospitals etc) – BONUS!
Below is the definition of Indemnity Health Plans:
What is an Indemnity Plan?
Indemnity plans allow you to direct your own health care and visit almost any doctor or hospital you like. The insurance company then pays a set portion of your total charges. Indemnity plans are also referred to as "fee-for-service" plans.
How does an Indemnity plan work?
Under an Indemnity plan, you may see whatever doctors or specialists you like, with no referrals required. Though you may choose to get the majority of your basic care from a single doctor, your insurance company will not require you to choose a primary care physician. An Indemnity plan may also require that you pay up front for services and then submit a claim to the insurance company for reimbursement.
You'll likely be required to pay an annual deductible before the insurance company begins to pay on your claims. Once your deductible has been met, the insurance company will typically pay your claims at a set percentage of the "usual, customary and reasonable (UCR) rate" for the service. The UCR rate is the amount that healthcare providers in your area typically charge for any given service.
An Indemnity plan may be right for you if: