عورت کو خوش کرنے کا سب سے بہتر طریقہ .. ویڈیو دیکھیں

In 2015, Kaiser Health News studied the 30 states that offer a plan on the Healthcare.gov website, and found that HMO-style offerings usually came in considerably cheaper. For a 40-year-old male buying a silver plan, the least-expensive closed network in these states averaged $299 a month in premiums. By contrast, PPOs with a comparable level of coverage cost $339 a month. A Good Deal for Patients? Aware of the bad rap that older HMOs received, insurance companies have tried to revamp their newer closed network plans to make them more appealing. Some insurers no longer require patients to get a referral before seeing a specialist, for example. With ACOs, there’s also greater access to out-of-network providers. Doctors usually refer patients to specialists who are part of their network, but they have to notify patients of their right to see outside doctors at no extra charge. Insurers argue such plans actually have certain benefits beyond just price. Specialists in a closed-loop system are more likely to have access to patient medical records, for example, so you are theoretically less likely to undergo unnecessary testing.

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