With managed care health insurance plans, the prices are lower because they have contracts with certain doctors and hospital, therefore you must see them. Prescription is included in the plan, so the patient will see lower bills for medicine. Their goal is to make a profit, so if you try to switch over to this with a preexisting condition, you are most likely not going to be approved. Referral problems are also very hard because they are limited for that, but also the specialist recommended is out of his scope of practice, and will cost out of your pocket instead.
3. Traditional private health insurance plans are coverages of physicians, dental services, and pharmaceuticals. You can usually pick your own doctors and hospitals but must pay for services and then submit the bill to the insurance for reimbursement of some of the portion. Hospitals are reimbursed for the costs of providing care plus an amount for profit. Managed health care is cost-control procedures used by health insurers to coordinate treatment. It may cost less, but your options for doctors and hospitals are limited. I think insurance companies should dictate reimbursement rates for some test, because the prices are so expensive and some families just can not afford to pay for that especially if there is many of them on the insurance