A Quick And Straightforward Way To Get A Cheap Health Insurance Plan

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A Quick And Straightforward Way To Get A Cheap Health Insurance Plan
Insurance fees are sky high, and for that reason so are health insurance premiums. So how can you obtain a cheap health insurance plan? Here's the easiest way .




Major Health Plans

The most affordable non-comprehensive health plans are major medical plans, sometimes referred to as catastrophic health plans. These plans have a high deductible (the amount you pay toward a claim before your insurance kicks in), plus low monthly premiums.

Major medical plans cover hospital charges including surgical treatments, hospital stays, X-rays, plus lab tests. They do not cover visits to your physician or prescribed drugs.

These plans are a good choice when you are in good health, don't visit your medical doctor that often, and don't use a lot of prescriptions.


HMOs, PPOs, And POSs

The lowest priced comprehensive health insurance plans are Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), as well as Point-of-Service plans (POSs).


HMOs

HMOs are the lowest priced of the comprehensive health care insurance plans. They offer heath care treatment using a network of medical doctors and hospitals picked by the HMO.

With the majority of plans you need to pay a small fee known as a copayment for each and every doctor visit. You don't need to fill in a lot of forms as you would with a standard plan, and there are no deductibles to pay.

Whenever you are ill you'll need to consult your primary medical doctor, also called a gatekeeper, who can treat you or refer you to a specialist. You're not covered if you opt to see a medical doctor who is not part of your network.


PPOs

PPOs cost more than HMOs, and are the preferred health care insurance plans because they allow for more flexibility than HMOs. They offer medical treatment by way of a network of medical providers.

Your copayment for each doctor visit is about the same as an HMOs, there are not any forms to fill in, as well as no deductibles to pay. But there aren't any gatekeepers with a PPO so its possible to go to a specialist without first seeing your primary care physician.


POSs

POS plans are more costly than HMOs and PPOs, but deliver the greatest flexibility of the three health care insurance plans. They supply heath care treatment by way of a medical provider network, but you have the option of seeing a physician that you choose.

Copayments for doctor visits within the network are generally about the same as they are for HMOs and PPOs, and you're going to be reimbursed up to 80% for your out-of-network doctor visits as soon as you pay a deductible.


Low-priced Health Insurance Quotes

The easiest way to get low-cost health insurance quotes is to visit an insurance comparison site. Here you can find quotes from several health insurance companies so you can compare rates.

Once you visit one of these sites you'll be asked to fill in a basic questionnaire with information regarding yourself along with your health. When you submit the questionnaire you'll begin to receive quotes from a number of top-rated companies. You may then examine your quotes in the privacy of your home, and pick the plan with the best quote that suits your needs. Using a comparison site is straightforward, it's easy, and it's completely free.