Cheap Health Insurance Plan - Where To Get One The Simple Way
Healthcare charges are sky high, and consequently so are health insurance rates. So how can you buy a cheap health insurance plan? Here's how . Major Healthcare Plans The cheapest non-comprehensive health plans are called 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), in addition to low monthly premiums. Major medical plans cover hospital expenses that include surgeries, hospital stays, X-rays, and also lab tests. They do not cover visits to your health care professional or prescription drugs. These plans are a good choice if you are in good health, don't visit your doctor that often, and don't use a lot of prescription medications. HMOs, PPOs, And POSs The cheapest comprehensive health insurance plans are Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and also Point-of-Service plans (POSs). HMOs HMOs are the least expensive of the comprehensive insurance coverage plans. They furnish health care through a network of doctors and hospitals chosen by the HMO. With virtually all plans you have to pay a small fee known as a copayment for every doctor visit. There's no need to complete a ton of forms as you would with a conventional plan, and there are no deductibles to pay. When you're ill you will need to consult your primary doctor, also known as a gatekeeper, who will treat you or refer you to a specialist. You aren't covered should you decide to visit a doctor who is not part of your network. PPOs PPOs cost a little more than HMOs, and are the most widely used medical insurance plans because they offer more flexibility than HMOs. They provide you with medical care via a network of health care providers. Your copayment for each doctor visit is about the same as an HMOs, there aren't any forms to complete, plus no deductibles to pay. But there are not any gatekeepers with a PPO so you're able to visit a specialist without first seeing your primary care physician. POSs POS plans are more expensive than HMOs and PPOs, but offer the maximum flexibility of the three health insurance plans. They provide medical care via a health care provider network, but you have the option of seeing a medical physician of your choosing. Copayments for doctor visits within the network tend to be about the same as they are for HMOs and PPOs, and you'll be reimbursed up to 80% for your out-of-network doctor visits once you pay a deductible. Affordable Health Insurance Quotes The best way to get low priced health insurance quotes is to pay a visit to an insurance comparison internet site. Here you can receive quotes from a variety of health insurance companies so you can compare rates. Whenever you visit one of these sites you'll be asked to complete a simple questionnaire with details about yourself and your health. Once you submit the questionnaire you'll begin to receive quotes from various top-rated companies. You can then compare your quotes in the privacy of your home, and select the plan with the best quote that fits your needs. Using a comparison site is fast, it's easy, and it's totally free.
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