According to Senior Healthcare Consultants, non-network insurance is many times the best option for senior citizens. Non-network healthcare insurance offers "many options to individuals in need of the best healthcare," according to one Senior Healthcare Consultants staff member. According to this Senior Healthcare Consultants staff member, non-network healthcare is also referred to "as indemnity or fee for service plans."
"Non-network insurance or indemnity plans allows the client to choose any hospital or any doctor they wish to visit," explains Senior Healthcare Consultants. There are no networks in which certain hospitals or doctors have to be chosen, adds the Senior Healthcare Consultants staff member. "The person covered by indemnity insurance pays their deductible and the insurance company provides payment or reimbursement to the hospital or doctor for any remaining balance," continues the Senior Healthcare Consultants staff member. According to the same Senior Healthcare Consultants staff member there are policies in which the insured person pays the entire bill "and then the insurance company reimburses them directly." Senior Healthcare Consultants points out that there is a benefit to seniors in choosing non-network insurance.
Senior Healthcare Consultants connects seniors in need of Medigap, Medicare supplemental insurance with quality Fortune 500 companies that work in the senior healthcare demographic. Nationwide and serving all 48 contiguous states, Senior Healthcare Consultants, the largest division of RJR Insurance Services, helped the parent company post an astonishing $200,000,000 million in new premium sales over the last five years. "We have had success in a down economy because we focus on one niche of service, and we know that product well," explains a Senior Healthcare Consultants executive.
While the previously quoted Senior Healthcare Consultants staff member did not go into all the details, indemnity insurance works well with Medicare recipients. According to Senior Healthcare Consultants there are numerous benefits to non-network insurance for seniors but four immediately came to mind.
"The first and foremost benefit is flexibility," says a team member from Senior Healthcare Consultants. According to Senior Healthcare Consultants, if a senior citizen needs a particular specialist, they need to know they have coverage. "In other words a senior citizen cannot be denied the right to see a needed specialist, simply because that doctor is not 'in network'", claims the Senior Healthcare Consultants staff member. The Senior Healthcare Consultants staff member maintained that non-network insurance policies empower senior citizens to make their own choices concerning health care. "With indemnity plans, an insurance company is not dictating the patient's medical choices," comments the Senior Healthcare Consultants staff member.
Another benefit, according to the Senior Healthcare Consultants staff member of non-network plans, is the coverage. "Indemnity plans, recognized as more traditional health insurance, cover a wider array of illnesses," explains the Senior Healthcare Consultants staff member. While these plans may typically not cover physicals or preventive health care, they do "cover a larger list of illnesses that may encompass our senior market," adds the Senior Healthcare Consultants staff member.
Indemnity policies also offer better emergency medical coverage, continues the Senior Healthcare Consultants staff member. "This kind of emergency medical coverage may be crucial to any individual as they age," observes the Senior Healthcare Consultants staff member. According to Senior Healthcare Consultants, it is a common scenario for senior citizens to need an emergency room that could be "out of network" with other policies. "With indemnity insurance, if one of our senior customers is in a different city and needs emergency services, they will not have to worry about coverage or additional fees or expenses," states the Senior Healthcare Consultants staff member. Senior Healthcare Consultants maintains that non-network insurance continually puts the power of all medical choices back in the hands of the patient.
While many contrasts are made between traditional managed health care and indemnity insurance, Senior Healthcare Consultants likes to point out that there are some similarities. "One of the other benefits of non-network insurance today is the inclusion of some managed care features," states the Senior Healthcare Consultants staff member. According to Senior Healthcare Consultants, some indemnity insurance plans offer pre-certification for non-emergency hospital admissions. Some indemnity plans also present a utilization reviews element, according to Senior Healthcare Consultants. "These are features more common to managed health care then the traditional indemnity plan," explains the Senior Healthcare Consultants staff member. However these features, continues the Senior Healthcare Consultants team member, offer patients "a little bit of the 'both of best worlds' with non-network insurance today."
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