Have you ever thought about how the healthcare system in the USA operates? The American healthcare system isn't designed to cover you or support you. At the end of the day, these healthcare entities are a business, and therefore they exist to be profitable, not to put your best interests first.

When you buy insurance, you're signing a contract that will only cover certain aspects of your care. Insurance plans can vary greatly, so don't be surprised when your doctors and other health professionals don't know what your plan covers. Being savvy and in-the-know about your insurance plan is really important and will pay off for you.

Your deductible is the amount you have to pay out of pocket before your plan will cover medical services. Some services are subject to deductibles while others are not. Deductible costs vary and could be as high as $10,000. If this is the case for you, you're more than likely paying for your care out of pocket.

Once you agree to a plan, you are also limited to medical services from the doctors you have access to and the services they provide. Waiting in line for an opening can delay your services, which is something you need to know upfront. A PPO plan is always preferable over an HMO or EPO plan.

When you sign up for a plan, the number one thing you need to know is your maximum out-of-pocket costs. When you have a serious medical condition that requires hospitalization, you may end up spending an astronomical amount in bills without being aware of or even prepared for it. If you don't know the details of your plan yet, be sure to check them out sooner rather than later.

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