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เด่นบนตัวเดียว งวด 16 พฤศจิกายน 2562

The HMO plans offer the most comprehensive plans at the greatest savings but limit doctor choices to those inside the HMO. The EPO plan uses select provider networks and incorporates policies that promote and manage member health care. The PPO plans, on the other hand, offer more flexibility with a great number of participating doctors.

In fact, BCBS PPO providers are so numerous that you are likely to be close to one no matter what part of the country you live in. BCBS plans also give you access to HSAs and flexible spending accounts (FSAs). With a FSA plan, you can save money tax-free for health insurance deductibles and other health-related expenses. The HSA plan is similar but must be used only for qualifying medical expenses. You may choose to apply the funds in these plans to insurance deductibles and enjoy the benefits of lower insurance premiums with a high-deductible plan.