Best Medical Insurance Under R2000
This guide reveals the best medical insurance plans available under this budget, highlighting those that offer the most value for your rand. In this article you will learn:
Let’s dive in and discover the best medical aid insurance options that combine affordability with quality care under R2000.
Unique Features for Best Medical / Health Insurance under R2000
| 🔍Feature | 🏅Dischem Health | 🏅Clientele Health | 🏅Episodic Health | 🏅Affinity Health | 🏅One Plan |
| 📅Monthly Premium Range | ~R300 - R1800 | ~R450 - R1999 | ~R500 - R1900 | ~R590 - R1700 | ~R350 - R1995 |
| 🏥Hospital Cover | Up to R200,000 per year | Fixed daily cover (up to R5,000/day) | No hospital cover, outpatient only | Unlimited private hospitalization | Up to R25,000 per incident |
| 🩺GP Visits | Unlimited GP visits in-network | Limited GP visits per year | Unlimited in-network, selected GPs only | Unlimited, in-network GPs only | Limited GP visits per year |
| 👨⚕️Specialist Consultations | Covered under certain plans. | Covered under higher plans. | Included in some plans. | Specialist consultations are usually covered but require a referral from a GP. The coverage is limited to a certain number of visits or a specific amount per year. | Available with pre-authorization. |
| 💊Chronic Medication | Covered for selected chronic conditions | Limited coverage | Covered, specific list only | Covered, for specific chronic conditions | Covered, limited to essential medicines |
| 🦷Dental and Optical Cover | Basic cover, limited to network providers | Limited optical cover | Typically included in some plans | Basic cover with annual limits | Basic cover, limited to network providers |
| 🤰🏽Maternity Benefits | Basic antenatal care, no hospitalization | Limited maternity cover | Not covered | Comprehensive maternity benefits | Limited cover for antenatal care |
| ⚕️Emergency Cover | 24/7 access to emergency medical services | 24/7 ambulance and emergency cover | Medical services, ambulance costs, and emergency room visits. | 24/7 emergency services including airlift | Emergency and ambulance services |
| 🧑🏿⚕️Health Screenings | Annual health screenings covered | Annual wellness checks | Basic health screenings, limited tests | Annual health checks with specific tests | Limited to specific tests |
| 🚑Value-added Services | Wellness programs, discounts on supplements | Funeral cover, cashback options | Wellness programs, virtual consultations | Wellness and fitness discounts, telemedicine | Wellness rewards, cash-back for claims |
| 🛋️Waiting Period | 3 to 12 months for most benefits | 3 to 12 months depending on benefit | 3 to 12 months depending on benefit | 3 to 12 months depending on benefit | 3 to 12 months depending on benefit |
| 👨💻Customer Service | 24/7 call center, online support | 24/7 call center, WhatsApp support | Email and call support during business hours | 24/7 call center, online portal | 24/7 call center, online chat support |
Pie chart comparing medical insurance under R2000 across different care categories.
Below is a pie chart comparing health insurance providers under R2000 Dischem Health, Affinity health, Oneplan, Episodic health and Clientele Health on the following criteria quality health, access points, price care categories, online tools and customer care.
Choosing medical insurance in South Africa
First, it is important to understand the difference between medical aid and medical insurance in South Africa.
Medical aid is a more traditional form of health coverage in South Africa. It is governed by the Medical Schemes Act and provides comprehensive coverage for a wide range of medical expenses based on set benefits.
Medical aids operate on a non-profit basis and are required to cover prescribed minimum benefits (PMBs) including chronic diseases, emergency medical conditions, and certain life-threatening illnesses.
Medical insurance is typically more affordable than medical aid, and is regulated under the Insurance Act and tends to offer more limited coverage with a focus on specific events or illnesses. It often pays out a predetermined amount per incident, rather than covering the cost of treatment directly. This can include hospital cash plans, accident covers, and specific disease covers.
Choosing the Right Option
Assess Your Needs
Consider your and your family’s health care needs. If you require comprehensive healthcare and frequent medical attention, medical aid might be more suitable. If you’re generally healthy and more concerned about emergency coverage, medical insurance might suffice.
Budget
Determine what you can afford. Medical aids offer more extensive coverage but at a higher cost. If budget is constrained, medical / health insurance might offer a viable alternative.
Compare Benefits and Exclusions
Look carefully at what each plan covers. Check for exclusions and limitations, especially for medical insurance, which may not cover all types of medical expenses.
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The 5 Best Health Insurance under R2000
Below we explore the 5 best medical aid insurance that will cost you less than R2000 per month
Customer reviews
Customer reviews was done through surveys that was done by more than 100 customers that needed health insurance and went through the process of choosing what is the best option for them.
Dis-Chem Health
Various healthcare needs can be met by selecting from Dis-Chem Health’s choice of reasonable and accessible health insurance options.
MyHealth Core Plan
At a starting price of R469 for adults and R329 for children, this entry-level plan offers minimal coverage for day-to-day healthcare needs. If you need affordable health insurance, this is a good option to consider.
MyHealth Plus Plan
With MyHealth Plus, you get more than just the MyHealth Core plan. You can see any doctor in the network, have virtual consultations with experts, and get coverage for up to 27 chronic diseases. Costing as little as R649 a month, it provides comprehensive health insurance to individuals who require it.
Accident Cover
Emergency casualty visits, hospitalisation, and ambulance services are covered under this plan, which focuses on accidents and their related emergency medical conditions. The starting price for an adult is R270 per month, while a child dependent will cost R153.
What is the monthly premium for the Dis-Chem Health insurance plans?
Prices for the plans range from R270 to R649 per month, with a variety of options available.
Affordable private Day-to-Day Insurance options & Accident Cover options for you and your family.
What Is the Waiting Period for Dis-Chem Health Insurance Benefits?
Depending on the coverage type and plan selected, Dis-Chem Health insurance policies usually have different waiting periods. Nonetheless, here are some broad principles regarding typical benefits:
- ☑️ There is no waiting period for accident-related claims because of immediate coverage.
- ☑️ Common benefits such as doctor’s appointments, prescription drugs, and basic dental treatment typically have a short waiting period, usually about one to three months.
- ☑️ Hospitalisation benefits and coverage for major conditions or surgeries may be subject to longer waiting periods, ranging from 6 to 12 months.
How to Claim for Dis-Chem Health Insurance Benefits
- ☑️ Dis-Chem Health requires that you fill out their claim form. This form is typically available at any Dis-Chem Health store or online. Verify that all the information is accurate to prevent any delays.
- ☑️Submit your filled-out claim form together with any supplementary materials that may be required. It is common practice to submit claims to Dis-Chem Health either via email, regular mail or in person at any of their branch locations, depending on the way they prefer.
- ☑️ After you file your claim, Dis-Chem Health will process it according to your insurance. Making sure the claim details and accompanying documentation are in order is what this involves.
- ☑️ The decision about the claim will be communicated to you by Dis-Chem Health. They will either promptly pay the healthcare provider or reimburse any money you paid out of pocket after they review your claim.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Very Affordable Premiums | Limited coverage for major medical events and surgeries |
| Access to Day-to-Day Benefits | Coverage may not include hospitalization |
| Basic Healthcare Services Included | Lower annual benefit limits |
| Easy Enrollment Process | May have limited access to specialist consultations |
| Access to Dis-Chem Wellness Benefits | Limited choice of healthcare providers |
| Discounts on Health Products and Services | May require co-payments for certain services |
| Flexible Payment Options | Excludes coverage for chronic conditions and medications |
| Good for Routine and Preventative Care | Not suitable for comprehensive healthcare needs |
Dis-Chem Health Insurance Contact Details
Building A 2nd Floor
52 Corlett Dr
Illovo
Sandton
2196
Episodic Health
A variety of health insurance plans are available from Episodic Health, allowing customers to pick and choose the coverage and benefits that best suit their needs. Access to private treatment without the exorbitant expenditures of conventional medical aid is the goal of their insurance products.
Day-to-Day Benefits Plan
Basic dental coverage, prescription drugs, and doctor’s appointments are all part of this plan’s R446 monthly benefit package.
Hospital Benefits Plan
The monthly premium for this plan starts at R186 and covers hospitalisation costs incurred as a result of certain accidents or diseases up to a certain amount.
What is the monthly premium for the Episodic Health insurance plans?
From R186 for hospital coverage to R446 for everyday benefits, Episodic Health has a plan that’s right for you.
What Is the Waiting Period for Episodic Health Insurance Benefits?
Episodic Health does not have a universal waiting period but rather separate ones for various plans. The structure of the waiting periods is as follows:
- ☑️ You can start collecting compensation for any injuries you get in an accident on the first day of your policy because there is immediate coverage for situations that are defined as accidents.
- ☑️ The waiting period for commonly utilised benefits, such as doctor’s appointments and medication, might be anywhere from one to three months.
- ☑️ There may be a 6- to 12-month waiting time for high-risk benefits, such as critical illness coverage, because these services are either less often used or involve a higher risk.
- ☑️ Claims involving pre-existing medical issues may be subject to a lengthier waiting time, usually ranging from twelve to twenty-four months.
How to Claim for Episodic Health Insurance Benefits
- ☑️ Episodic Health requires pre-authorization for specific treatments, especially hospitalisation. Making sure your treatment and related charges are approved in advance is an important first step in avoiding coverage issues and claims processing delays.
- ☑️ Remember to ask your healthcare practitioner for any paperwork you may need after your treatment. Included in this are comprehensive bills and medical reports that attest to the payment for and receipt of medical treatment.
- ☑️ If you need to file a claim with Episodic Health, you may find the necessary paperwork on their website or by contacting customer service. Please ensure that all fields are filled out accurately and thoroughly to prevent any unnecessary delays.
- ☑️ Submit the completed claim form to Episodic Health with any necessary supporting papers. Depending on the situation, you may be able to submit these documents immediately through an online portal, email, or regular mail.
- ☑️ Based on your policy’s terms, Episodic Health will process your claim once it’s submitted. This entails double-checking the data, making sure the claim is eligible, and comparing the charges to your coverage limits.
- ☑️ Episodic Health will let you know how your claim turned out after they process it. Depending on the claim’s details and your plan’s terms, they will either reimburse you or pay the healthcare provider directly if you are authorised.
- ☑️ Episodic Health may get in touch with you to discuss your claim or request further information. If you want your claim processed fast, you have to answer questions rapidly.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Affordable Premiums | Limited Comprehensive Coverage |
| Offers low-cost plans under R300, making healthcare more accessible. | Plans may provide limited comprehensive coverage, focusing mainly on episodic or short-term health needs. |
| Coverage for Specific Health Episodes | Limited Chronic Condition Management |
| Designed to cover specific health events or conditions, such as minor injuries or short-term illnesses. | Chronic conditions and long-term care are often not covered, requiring separate plans or out-of-pocket expenses. |
| Quick Access to Basic Care | Restricted Network of Providers |
| Provides prompt access to basic healthcare services for acute episodes. | The provider network may be limited, restricting where you can receive care. |
| Ideal for Young and Healthy Individuals | No Specialist Care |
| Suitable for those who generally have good health but want coverage for unexpected health episodes. | Specialist consultations and treatments may not be included, requiring additional costs. |
| Simple and Transparent Plans | No Hospitalization Coverage |
| Plans are easy to understand and designed for specific health needs. | Hospitalization or extensive treatment is typically not covered under these low-premium plans. |
| Preventive Care Options | Higher Out-of-Pocket Costs for Major Treatments |
| Some plans may include preventive care, such as vaccinations or health check-ups. | You may face significant out-of-pocket expenses for major health issues not covered by the plan. |
| Easy Enrollment Process | Limited Benefits for Ongoing Health Needs |
| Simplified sign-up process, often with minimal paperwork. | Plans may not cover ongoing or long-term health needs, focusing more on immediate care. |
Episodic Health Insurance Contact Details
Office No. S10
The Sanctuary Shopping Centre
Corner de Beers Avenue & Broadway Boulevard, R44
Paardevlei
Somerset West
7130
South Africa
OnePlan
Affordable health insurance plans are available from OnePlan Health Insurance, and they cover both emergency room visits and routine medical care. Underwritten by Bryte Insurance Company Limited, these plans provide a range of healthcare options that are both flexible and accessible, rather than standard medical aids.
Core Plan
The essential daily benefits of this entry-level plan, which starts at R480 per month, include doctor’s appointments, prescriptions, dental treatment, vision exams, and emergency hospital and ambulance services. It’s a good fit for people who want affordable, basic health care.
Blue Plan
The Blue Plan, which starts at R955 a month and is ideal for individuals who require more extensive coverage, raises the daily medical limits and includes extra benefits including specialist visits and increased in-hospital cover.
Professional Plan
This plan provides more extensive in-hospital coverage and greater limitations on all daily benefits, starting at R1330 per month. Perfect for families or individuals in need of extensive health coverage who can’t afford prices charged by conventional medical aid schemes.
Executive Plan
The Executive Plan offers the most extensive day-to-day benefits and hospital protection among the OnePlan options, all for R1765 per month. This policy is ideal for individuals who need significant medical coverage, as it offers comprehensive emergency and accident cover.
What is the monthly premium for the OnePlan Health insurance plans?
Depending on the plan you choose, the prices from OnePlan start at R480 for the entry-level plan and go up to R1765 per month for more comprehensive cover.
AFFORDABLE MEDICAL INSURANCE
What Is the Waiting Period for OnePlan Health Insurance Benefits?
There are different types of coverage with different waiting periods when enrolling in OnePlan Health Insurance:
- ☑️ The day-to-day benefits often have a three-month waiting period before covering the majority of medical treatments. As a result, you won’t have access to many of your regular benefits for the first three months on the policy.
- ☑️ A 12-month waiting period applies to all pre-existing medical issues. What this means is that you will have to wait until twelve months after the policy start date to get coverage for any expenses associated with conditions that were there before you joined OnePlan.
- ☑️ Claims pertaining to maternity cannot be made until the waiting time, which might vary but is typically approximately 10 months, has elapsed.
- ☑️ As soon as your coverage begins, you can begin making claims for accidental injuries because, in most cases, there is no waiting period.
How to Claim for OnePlan Health Insurance Benefits
- ☑️ Make sure the OnePlan app is already on your phone. You can’t manage your policy or file claims without the app.
- ☑️Access your policy information and claims options by opening the app and logging in using your credentials.
- ☑️Gather all of your supporting documents before submitting your claim. Invoices, receipts, and pertinent medical reports may fall within this category.
- ☑️ To file a claim, utilise the app. You can submit your claim information and any supporting documents through the app. The method is made to be easy to use, with prompts to show you what to do at each stage.
- ☑️ OnePlan offers a one-of-a-kind feature known as the OneCard. This card will have money deposited onto it as soon as your claim is approved. You can avoid paying out of pocket for medical services by using the OneCard to pay for them directly.
- ☑️ The app will allow you to monitor the progress of your claim once you’ve submitted it. The goal of OnePlan’s claims processing app is to keep users informed of the status of their claims in real time.
- ☑️ Get in touch with OnePlan’s customer service team through the app if you have any concerns or problems while filing a claim. They are willing to lend a hand and will do their best to address your concerns.
Pros and Cons
| ✅ Pros | ❌Cons |
| Affordable Premiums: Budget-friendly options with plans under R1000. | Limited Coverage: Lower-cost plans may offer limited coverage, particularly for more extensive medical needs. |
| Preloaded Card for Claims: Convenient preloaded card for paying medical expenses directly without upfront payments. | Network Limitations: Some services might be limited to a network of specific healthcare providers. |
| Day-to-Day Benefits: Includes coverage for GP visits, dentist, and optometrist consultations. | Caps on Benefits: Benefit limits may apply to consultations, medications, and procedures. |
| No Waiting Period for GP Visits: Immediate coverage for GP visits with no waiting period. | Limited Hospital Cover: Hospital cover may be minimal or not included in plans under R1000. |
| Simple and Transparent Plans: Easy-to-understand plans with straightforward terms. | Exclusions: Certain treatments and conditions might be excluded from coverage. |
| Mobile App: The Oneplan mobile app allows easy management of claims and policy details. | Prepaid Claims System: While convenient, the prepaid system may require careful management to avoid running out of funds. |
| Wellness Benefits: Some plans offer wellness benefits like flu shots and health assessments. | Co-payments: Co-payments may be required, adding to out-of-pocket expenses. |
| Flexibility: Customizable plans allow adjustments according to personal needs and budget. | Limited Specialist Cover: Access to specialists may be restricted or come with additional costs. |
OnePlan Health Insurance Contact Details
163 5th Street Nelson Mandela Square
South Tower 2nd Floor Sandton
Sandown
Johannesburg
2196
Clientele Health
The reputable South African financial services business Clientèle Limited includes Clientèle Health as one of its divisions.
For more than 30 years, Clientèle, a company listed on the Johannesburg Stock Exchange, has used a variety of direct marketing and sales distribution channels to provide basic and easy-to-understand financial services to the general population.
The Clientèle Insurance Group’s licenced controlling company, Clientèle Limited, provides a variety of health insurance products called Health Event Life products (H.E.L.P.).
Standard H.E.L.P Plan
This plan provides essential health coverage with an emphasis on hospitalisation cash payouts. Accidental death and disability benefits, as well as daily hospital cash benefits up to a certain maximum, are covered. A wide spectrum of consumers will be able to afford this plan thanks to its reasonably priced premiums. Monthly payments for this plan begin at R500.
Ultimate H.E.L.P Plan
Benefits for dread diseases, accidental death and disability, and daily cash payments in the event of hospitalisation are all part of this comprehensive plan’s increased coverage limitations compared to the Standard Plan. In addition, there is a premium payback benefit that allows for the recovery of some of the premiums under specific circumstances. If you are searching for comprehensive coverage with extra financial benefits, this plan is for you. This plan starts at a monthly price of R546.
Accident Plus Plan
Included in this plan is gap coverage and medical emergency help available at all times, with an emphasis on accidents. If you’re worried about the financial ramifications of accidents, this is a good option because it pays out in cash for accidental hospitalisation and related costs. Monthly payments for this plan begin at R406.
What is the monthly premium for the Clientele Health insurance plans?
The H.E.L.P plans offered by Clientele Health vary in price from R406 to R546 per month.
What Is the Waiting Period for Clientele Health Insurance Benefits?
The following is the breakdown of the waiting periods for Clientèle Health’s H.E.L.P plans:
- ☑️ Hospitalisation for accidents does not incur a waiting time. Immediate coverage is provided.
- ☑️ The standard waiting period for illnesses is three months, during which time hospitalisation benefits cannot be paid.
- ☑️ For pre-existing conditions that already exist, there is a 12-month waiting time. Everything that the participant knew or should have known when they joined the scheme is considered.
How to Claim for Clientele Health Insurance Benefits
- ☑️ Fill out the Clientèle Health claim form. Complete all fields carefully to avoid a holdup in your claim’s processing.
- ☑️ Send in the claim form and any supplementary materials. Online uploads, email, fax, and regular mail are some of the submission options offered by Clientèle Health.
- ☑️ Be sure to monitor the progress of your claim after you’ve submitted it. The Clientèle Health website or customer service should be able to assist you with this.
- ☑️ In order to evaluate your claim, Clientèle Health may need to contact your healthcare providers to confirm details or ask for further information from you.
- ☑️ You will be informed of the outcome of your claim once it has been handled. If everything checks out, your health plan will handle the bill. If you are denied, you are entitled to a written reason along with instructions on how to appeal the decision.
- ☑️ To make sure you get the benefits you deserve without any hassle, every stage of the claims procedure is important.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Offers affordable plans with varying levels of cover | May have limited coverage for certain critical illnesses compared to other insurers |
| Provides financial assistance during critical illness | Specific policy details and exclusions should be carefully reviewed |
| Focuses on providing essential cover | May not be suitable for individuals with high-risk lifestyles or specific health conditions |
Clientele Health Insurance Contact Details
Clientèle Office Park Corner
Rivonia and Alon Road
Morningside
2196
Affinity Health
Affinity Health, a prominent health insurance provider in South Africa, is well-known for offering affordable, dependable healthcare solutions that meet the diverse demands of the country’s population.
With a focus on client value and a deep understanding of the health insurance business, the firm has developed from its 2011 foundation to become a leader in long-term health insurance.
Day-to-Day Plan
This plan provides coverage for out-of-hospital medical services, including doctor consultations, medication, dental care, and vision exams, starting at R809 per month. It’s an affordable choice for regular healthcare management because it’s made to handle regular medical bills.
Hospital Plan
This plan covers hospital visits caused by accidents, serious illnesses, and maternity demands, and it starts at R1,258 per month. To provide financial security in times of crisis, it is designed to cover major medical events that necessitate hospitalisation.
Combined Plan
The monthly premium for this all-inclusive plan starts at R1,838 and includes both out-of-pocket medical expenses and hospitalisation protection. By integrating the best parts of the Day-to-Day and Hospital Plans, it’s the best option for people who need long-term medical care.
What is the monthly premium for the Affinity Health insurance plans?
Depending on the plan you choose, the monthly cost from Affinity Health can be anything from R809 to R1, 838.
What Is the Waiting Period for Affinity Health Insurance Benefits?
There is usually a three-month waiting period for health benefits when you sign up with Affinity Health. Furthermore, individuals with pre-existing conditions are subject to a 12-month waiting period. New members may be required to wait for certain durations before they are eligible to receive benefits for specific services or conditions.
How to Claim for Affinity Health Insurance Benefits
- ☑️ You can get a claim form from Affinity Health online and fill it out. Ensure that all details on the treatment, the provider, and the expenses are accurate and comprehensive.
- ☑️ Several methods are available for the submission of your claim and any supporting documents:
Include scanned copies of all supporting documents with your completed claim form and submit them to the Affinity Health-provided email address.
If you would prefer, you can also send the necessary paperwork to Affinity Health’s fax line.
You can also send the paperwork to the physical address provided by Affinity Health.
If you are enrolled in Affinity Health’s web portal, you can file some claims directly through this service.
- ☑️ Contacting Affinity Health’s customer support via phone or email after submitting your claim allows you to track its status. If you require any further information, they may also give you updates.
- ☑️ Your claim will be reviewed by Affinity Health, who will check the details and evaluate your plan’s coverage. Claim processing times can differ according on claim complexity and information quality.
- ☑️ Affinity Health will inform you of the outcome once your claim has been processed. If everything checks out, they’ll make sure your health insurance pays for it. They need to give you the rundown on what went wrong or how to appeal if your claim is rejected.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Affordable Premiums | Limited coverage for certain specialized treatments |
| Flexible Plan Options | Network of providers may be smaller compared to competitors |
| No Age Limit for Cover | Some plans may have lower annual limits |
| Simple and Easy-to-Understand Plans | Coverage exclusions may apply to pre-existing conditions |
| Quick and Simple Claims Process | Fewer comprehensive benefits compared to premium plans |
| Wide Range of Health Services | May require referrals for specialist visits |
| Access to Day-to-Day Benefits | Out-of-hospital benefits may be limited in lower-tier plans |
| Digital Tools for Policy Management | Limited coverage for chronic conditions in some plans |
Affinity Health Insurance Contact Details
1 Dingler St
Rynfield
Benoni
1514
☑️ Read also: Best Medical Aid under R2000
☑️ Read also: Best Hospital Plan under R2000
Frequently Asked Questions
What factors should I consider when choosing a medical insurance plan?
When selecting a medical insurance plan, consider factors like premium costs, deductibles, copayments, and the network of healthcare providers. It’s also important to evaluate the type of coverage provided, including preventive care, prescription drugs, emergency services, and whether the plan covers pre-existing conditions. Additionally, assess the plan’s limitations and exclusions to ensure it meets your healthcare needs.
How do I decide between a high deductible and a low deductible plan?
Choosing between a high deductible and a low deductible plan depends on your health needs and financial situation. High deductible plans typically have lower monthly premiums but require you to pay more out-of-pocket before the insurance starts paying. They may be suitable if you are generally healthy and rarely visit the doctor. Low deductible plans have higher monthly premiums but lower out-of-pocket costs when accessing care, making them better for those who require regular medical care.
Can I keep my current doctors with a new insurance plan?
To ensure you can continue seeing your current doctors, check if they are included in the new insurance plan’s provider network. You can find this information by checking the insurance company’s website or calling their customer service. If your doctors are not in the network, you may face higher out-of-pocket costs or may need to switch to a provider within the network.
What is the difference between co-payment and coinsurance?
Co-payment is a fixed amount you pay for a healthcare service directly at the time of the visit, while coinsurance is a percentage of the cost of the service that you pay after meeting your deductible. Both are forms of cost-sharing, but co-payment is predictable and fixed, whereas coinsurance can vary depending on the total cost of the service.
How does the network of healthcare providers affect my insurance choice?
The network of providers is critical because it determines where you can receive care and how much you will pay. Insurance plans with a broad network of providers offer more choices for care and typically have lower out-of-pocket costs when you see an in-network provider. If you choose a plan with a limited network, make sure that the providers and hospitals included are acceptable to you and are conveniently located.
