In real estate location is key. In Health Insurance, for some, it’s the provider network. Whether a doctor or hospital is contracted with a carrier has a direct link to the level of your out-of-pocket costs and your peace of mind. With most health plans, providers are either contracted (in-network) or non-contracted (out-of-network).
Whether you are thumbs-up or thumbs-down on this health care reform law (ACA), it will bring some welcome clarity and simplicity to the health insurance marketplace. Though I have appreciated the creativity of insurance carriers in their plan designs over the years, confusion and complexity often tag along.