 Choose one statement from each group that best describes how you feel:
1. It is very important to me to have complete freedom in choosing doctors and hospitals.
2. It is very important to me to hold down my costs, even through limiting some of my choices.
1. I have to travel frequently because of my job, so I need to see doctors in other parts of the country.
2. I do not travel frequently and almost all medical care will be needed in my local area.
1. It won’t bother me if my health insurance plan will include filling out forms or keeping receipts and sending them in for payment.
2. I don’t want to fill out forms or keep receipts. I want my care covered with little paperwork.
1. In addition to my premiums, I want to pay for the cost of routine and preventive care, like office visits, checkups, and vaccination. I also want to have an opportunity to get an appointment for these services when I want one.
2. My health plan should include routine and preventive care. It won’t disturb me if I have to wait for a while for these services.
1. In case I need to see a specialist, I will ask my doctor for a recommendation, but I want to decide whom to go to and when.
2. It won’t bother me if my primary care doctor must refer me to specialists. If my doctor thinks that I don’t need a special service, that is fine with me.
If you’ve got mostly 1: Fee-for-service may be the best plan for you.
If you’ve got mostly 2: Consider a health maintenance organization.
If you’ve got different answers: You might want to look for a plan like a preferred provider organization that unites some of the features of fee-for-service and a health maintenance organization.
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