She explained that HMOs are good for people who know they will need a lot of regular checkups and preventive care, like parents with small children. You know those chilluns are going to need vaccinations and regular exams. Of course, being a rugged individualist, I want to choose my own health care providers. I responded that is not good enough, I want the world to choose from.
Most providers are already in multiple networks.
Health insurance is a competitive business like any other, they have to offer a product that will sell. Pioneer Life offers a rider that covers massage, chiropractic, acupuncture, and naturopathy. If you are in an auto accident, your PIP will probably pay for same, happily and without fuss. Auto insurance companies have recognized for years that skilled massage is one of the best therapies for whiplash. Blue Cross and the other major carriers have covered them for years.