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Now,
let's look at the networks...
Network
refers to the doctors, hospitals, and medical
facilities that participate in an insurance plan.
Unicare
uses a PPO (Preferred Provider
Organization) network. This that you get the
best rates (30-60% discount) when you use doctors
in the network. You can use providers
outside the network but your out-of-pocket
expenses will be much higher.
To get a really good explanation of the
differences between HMO, PPO and EPO...go
here
As
mentioned before, an important aspect of the HSA
is that you can write off qualified medical and
dental expenses as well as long term care premium
expenses. Let's take a look at what
qualifies
here.
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