User Q&A: Insurance for doctors visits

This type of question highlights an issue that has risen to near crisis level lately apparently because of the combination of: 1) people with low levels of information look for cheaper coverage, 2) The lack of doctor visit coverage in high deductible Obamacare policies, 3) misleading sales practices of health insurance by boiler room telephone call centers, 4) an increase in skinny policies and the number of inexperienced agents selling them.


Q: “CAN I GO TO A FAMILY DR OR PRIMARY DR FOR VISIT, I HAVE A LOT OF MEDICAL PROBLEMS”*

A: It sounds like you need a policy that provides a payment for doctor visits without a large deductible.  Some of the health insurance plans you looked at provide that, others do not. Please pay attention to the coverage and limitations that are printed in the summary of coverage. If you want, we can arrange for an enrollment agent to call you to discuss and explain it further.

*I reproduced the question exactly as it came to me in this format and wording that seem to indicate a consumer lacking sophistication for buying insurance.

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