- Why Do I Need Health Insurance?
- What to Look For in Healthcare
- Saving Money On Healthcare
- Blue Cross Blue Shield Plans
- Why Blue Cross Blue Shield?
- Health Savings Accounts
- Short Term Plans
- Dental Care
- Insurance For Students
- Insurance For Small Business
What is Managed Care?
When we talk about managed care, it usually refers to a Health Maintenance Organization (HMO) plan or a Preferred Provider Organization (PPO) plan.
Managed care was introduced because of the rising costs of healthcare. Its methods were soon adopted by insurance companies around the country — and today most Americans have a managed care insurance plan.
By lowering costs and giving more people access to large networks of doctors and hospitals, managed care helps keep healthcare affordable.
Managed Care Can Help Keep Premiums Down
Managed care benefits insurance companies, doctors, hospitals — and most importantly, you.
Those benefits are:
- Lower costs for insurance companies
- More business for doctors and hospitals
- Lower premiums for you
The Process
The process of a managed care plan works like this: the plan administrators put together a network of doctors, hospitals, and other care providers. The network of healthcare providers then agrees to give discounts for their services. In turn, they get referrals from the managed care plan.
It's important to understand that care requiring hospital treatment or a visit to a specialist may need to be approved by the plan before it's covered. In that case, you’ll need a referral from your primary care physician. More expensive and advanced treatments might need to be reviewed by your managed care administrators before coverage.
Despite these restrictions, managed care plans meet the health needs of most people. And they meet those needs at a lower cost than traditional insurance plans.
You can find the right managed care plan with fast and free quotes. When you fill out our simple online form, our agents will help find a plan to fit your needs.
