What are fee-for-service health insurance plans?

About fee-for-service health insurance plans

With fee-for-service health insurance coverage, also called point-of-service coverage, members select primary health care providers. The primary heath insurance providers then manage members’ health care for the health insurance companies.

Fee-for-service health insurance plans control health insurance costs by negotiating discounted health insurance rates with participating health care providers.

Members of these health insurance plans only pay co-pays and deductibles if they see health care providers who are not participants of the health insurance companies’ network.