When it comes to money, there are a lot of factors that can influence our decisions. And, for most people, the amount of money that they have is one of the top influencing factors.
Why do so many people prefer to switch from an insurance agent to a general practitioner (GP)? Because GPs are paid much higher commissions by their patients than insurance agents are by their clients. That’s why switching to a GP can be such a smart financial move.
In this blog post, we will discuss 5 key reasons why you should switch to a general practitioner instead of going through the process of getting insurance coverage first before switching to a new doctor.
You Don’t Have Any Coverage
If you’re not covered, your insurer will pay for the first three visits before you switch to a GP.
The first reason that GPs are paid higher commissions by patients is because they don’t have any coverage.
If you were to go through the process of getting insurance coverage before switching, you would be on the hook for all the payments. With a GP, however, they only make money when they get paid by their patients. If you switch to a GP, they will still cover you in the first three visits and then from there on out you’re on your own.
The Insurance Company Requires a Waiting Period
If you get insurance through your company, you will have to undergo a waiting period before being able to switch doctors. If you are required to wait in order to switch doctors, it will take a few months before you can actually leave your current doctor and find another one that is better suited for your needs.
If the amount of time that you are required to wait before switching doctors causes too much financial strain on your life, then it may be worth your while just to go with the GP option instead of getting insurance through a company.
You Pay Too Much for Insurance Coverage
When you get insurance coverage, there are a lot of things to consider. For example, you’ll have to pay for the insurance premium, deductible, and co-pays. In addition to that, you will also have to spend time filling out paperwork and dealing with various insurers in order to get the best coverage for your needs.
But what if you could just go straight to a GP? You could save yourself money on all of these factors because general practitioners tend to charge less than insurance agents do.
Furthermore, GPs are paid higher commissions by their patients than insurance agents are by their clients. That’s why switching to a GP can be such a smart financial move because it will save you money in the long run.
You Don’t Have Any Coverage When You Need It Most
Insurance companies will cover the costs for all of your medical care and underwriting most, but not all, of your expenses. When you’re taking out insurance, you’re putting your trust into a third party that you don’t know how to trust. This means that if something happens – and it’s a really bad thing – you might be stuck with huge bills for the rest of your life.
If you want to avoid this issue, switching to a GP is the way to go. GPs are specialists in areas like cardiology and dermatology so they’ll be able to provide care for any health issues that come up down the line. Plus, GPs have more flexible hours than generalists do so they’ll always have time to see you when you need them.
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The Doctor You Currently Use Isn’t In Your Network
This is one of the top reasons why you should switch to a GP. The problem with most insurance companies is that they only provide coverage for doctors within their network. So, if you want to switch doctors before switching to a new insurance company, you need to first find a doctor that your current insurance company will allow you to use.
If you can’t find a doctor in your network, then don’t worry! You can still save money by switching over to a GP instead of going through the process of getting insurance coverage and then switching over to another doctor. It is much cheaper and easier just paying up front.
Conclusion
Switching to a new GP can be a big change. But the benefits are worth it. If you can’t decide between a new GP and your current one, keep these questions in mind:
1. What is the difference between your current doctor and the physician or practice you are thinking of switching to?
2. How is the medical care provided at the new doctor or practice?
3. Is the doctor accepting new patients?
4. What is the difference in cost?
5. What are your other options?