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Fee-for-service plans are the oldest form of health insurance coverage. These plans are the most expensive, but for those who can afford them, FFSs offer the most freedom and flexibility.

Participants choose their own doctors and hospitals, and can refer themselves to specialists with little interference from insurance companies. These plans require large out-of-pocket expenses. Patients pay medical fees up front and then submit bills for reimbursement.

Deductibles of up to $200 are typical. And preventive services such as annual checkups and pelvic examinations generally aren’t covered.

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