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A traditional fee-for-service health insurance plan allows policyholders to choose their healthcare providers without requiring referrals. Patients typically pay a portion of the costs, such as deductibles and copayments, while the insurance covers the remaining expenses for services rendered. This model emphasizes a broader selection of providers but can lead to higher out-of-pocket costs for patients compared to managed care plans. Additionally, services are billed individually, meaning patients may receive separate charges for each visit or procedure.

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