Brian Feeze, North Carolina License Health Insurance Broker talks about saving $ initially with the best value plan from a major carrier. Also allowing the power of contracted rates (wholesale prices paid to the healthcare provider) saving you money when you make claims. Do not pay upfront to your Doctor, Call me first Brian Freeze, 704-948-4260 or email brian@healthplan4less.com; I will ensure you only pay the negotiated contracted rate. This will save you a lot of money on health care expenses. Brian Freeze