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Kekurangan ini rencana kesehatan yang dikelola termasuk membatasi cakupan untuk penyedia dalam rencana kesehatan. Peserta program perlu mengubah perawatan primer jika penyedia mereka tidak dalam jaringan rencana kesehatan. Banyak anggota tidak ingin mengubah ke penyedia layanan kesehatan. Kerugian lain adalah bahwa proses persetujuan / otorisasi dapat memakan waktu dan memperlambat pemberian pelayanan kesehatan yang dibutuhkan. Perawatan kesehatan khusus hanya dapat diakses oleh rujukan dari PCP.

HMO dan PPO ringkasan menawarkan premi yang lebih rendah dan jangkauan yang lebih tinggi, tetapi anggota limit, jaringan mereka penyedia. Rencana Kompensasi memungkinkan anggota untuk melihat dokter pilihan mereka dan akses profesional jika mereka ingin, tetapi biasanya membayar premi yang lebih tinggi untuk asuransi kesehatan. Pada akhirnya, anggota rencana kesehatan harus memutuskan apakah pilihan dokter dan akses ke perawatan spesialis patut premi yang lebih tinggi. Apapun yang dipilih rencana, penting bagi anggota untuk mengetahui asuransi kesehatan mereka, dan layanan apa saja yang tertutup dan yang penyedia berada di jaringan.

Kay Lowe meraih gelar Master'd dalam perawatan kesehatan ahd memiliki lebih dari 30 tahun dalam perawatan kesehatan. Dia juga webmaster Kesehatan-Infosource.com, situs yang didedikasikan untuk penyebaran informasi kesehatan.