Michael F. Ruggiero(DO)

Frequently Asked Questions

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Choose a Health Insurance Plan that covers your Doctor

This one sounds so obvious and yet most people miss it. If you are looking to buy health insurance, you fall into one of two situations:

Case 1:  You do not have a family doctor or specialist. Alternatively, even if you have one, you are not particularly attached to seeing that doctor. If this is true, then you can safely ignore the rest of this post.

Case 2:  You do have a family doctor and would very much like to continue seeing that doctor. If you fall into this category, then remember this – not all doctors accept every plan. If you buy a health insurance plan and then find out later that it does not cover your doctor, you could lose hundreds of dollars in out-of-network costs each year.

So, if you do have a family doctor and would like to keep him or her – please do ask your health insurance counselor to choose a plan that covers that doctor!

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