Under the group insurance plans, you will have the choice to go for a fee-for-service coverage plan. This indemnity plan will allow you to select the doctor you want to visit. You will have to pay for the services you obtained from the doctor, at the time of consultation.

You will have to keep the receipts and bills of your medical expenses. You have to keep the prescription drugs and other expenses with you. All expenses have to be tracked by you. This kind of health insurance is not that common in US and some European countries. The presence in some rural areas is better than the cities.