Traditional Health Plans ( Fee-for-Service Plans)

FFS Plans (Fee-for-Service Plans) means that health care providers are paid a specific amount for each service they provide. These plans are often referred to as "Indemnity Plans". Originally, "indemnity Plans" meant that insured people were billed by the health care providers, paid these bills themselves, submitted the bills to their insurance company, and then were reimbursed - "indemnified" for the cost by the insurance company. With these traditional indemnity plans, the insured could go to any physician and the providers had no direct contract with the insurance company. FFS Plans can be used with or without a contract between the insurance company and the provider and the provider can often bill the insurance company directly.

When looking for a plan the following should be taken into consideration:

      Monthly Premiums                            Deductibles
      Co-Payments                                    Co-insurance Amounts
      Out-of-Pocket Costs                        Medical Exclusions
      Claims Procedures                           Service

When utilizing an HSA or HRA a qualified High Deductible Health Plan (HDHPs) is required. Check with your broker or insurer for the availability of these qualified plans in your state. (See HDHP, HSA and HRA web pages by clicking on left column button "Plan Listings")