Is Having Health Insurance Choice of Any Value?

When you hear people complain about their medical coverage, it is usually because they don’t feel they have enough choice as to the doctors that they see or the clinics they are allowed to visit. For some people, being able to see their lifelong medical practitioner is vitally important, yet for others it really doesn’t matter at all. So, is having health insurance choice really that much of a big deal?

For a woman who has had a baby before, being able to see the same obstetrician and pediatrician can be very valuable, so for her, having health insurance choice is something that is worth the price. For the elderly, who have been seeing a doctor for more than several years, being able to have the comfort of the same old doctor can be worthwhile.

But, for the rest of us, those of us who rarely visit the doctor, health insurance choice may not be that important. Of course, you don’t want to get stuck seeing a doctor that you don’t get along with or who is unwilling or unable to take a look at you, but as long as you can get an early appointment and get treated, it doesn’t matter that much to some people.

When you buy your health insurance policy, part of what you are paying for is the health insurance choice, or the choice to see whoever you please. You will pay more for this, but it is of value to a certain portion of the population and is certainly understandable if comfort and familiarity makes you feel better when you visit the doctor’s office. If you are not picky about the doctor or clinician you see, then buying a cheaper insurance policy with fewer choices might be a good idea for you.

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