Are you looking for affordable health insurance? In this day and age everyone needs health insurance of some type; whether you are single, married, self-employed, have kids or are a student. Receiving quotes help narrow down your options. Especially when you don't even know where to start. Some of the categories you can receive quotes on are outlined below:
Indemnity of Fee-For-Service Plans ~ These health insurance plans allow you to visit any doctor of your choosing. Highly desirable by many people, these types of health insurance policies are in great demand, however, they are becoming harder and harder to come by, and seem to be quite pricey. But many consumers are willing to pay this price, because of the convenience and flexibility these plans offer.
Health Maintenance Organizations (HMOs) ~ HMOs are becoming more and more common lately; most health insurance quotes are for this type of plan nowadays. HMOs are, essentially, a group of health service providers who bundle their services together in a fixed price option. These types of plans are good for people who know they won’t need any specialized services, and if your budget is a factor, this is one of the lower and more predictable options. I have a friend who has this plan for their family and they have no complaints about the coverage. They have not had any major health issues so I cannot comment on surgeries or specialist coverage but for the routine doctor visits and sick visits they are very happy with this type of coverage.
Preferred Provider Organizations (PPOs) ~ PPOs are a health insurance policies that combine aspects of the two basic plans. PPOs offer the same type of managed group services as HMOs, but also allow users to go outside of their network without a referral. Using this option will cost you a little more out-of-pocket expenses, but it is partially covered. PPOs are a good middle ground health insurance policy option; you get the flexibility of using your group of health care providers or ones outside of the network, and the costs for this type of plan are in the middle range (although costs can be a bit less predictable). I have this type of coverage and have never had a problem with seeing specialists or primary care doctors. My husband has had several surgeries and all but a $100 was covered for them. We are very pleased with our policy.
Health Savings Accounts (HSAs) ~ I love this idea and if I were more financially set and my kids were a bit older, this would be my choice. HSAs are designed to help individuals save for qualified medical and retiree health expenses on a tax-advantaged basis. Any adult who is covered by a high-deductible health plan (and has no other first-dollar coverage) may establish an HSA. Amounts contributed to an HSA belong to the account holder and are completely portable. Funds in the account can grow tax-free through investment earnings, just like an IRA. Funds distributed from the HSA are not taxed if they are used to pay qualified medical expenses Unlike amounts in Flexible Spending Arrangements that are forfeited if not used by the end of the year, unused funds remain available for use in later years. It is not offered via my employer. There is a lot of flexibility with what you can have covered via this plan - one being Lasic surgery, I'd love to have that done. Find an HSA plan that's right for you.
Where to Go for Quotes? Many consumers get their health insurance quotes from their workplace, which may or may not be partially paid for through the company. More people today have opted to be self-employed than other years (like boggers) but this carries the added necessity of acquiring individual health insurance for them and their families. Insurance quotes can be found on the internet via any of the links found in this blog. eHealthInsurance offers the largest selection of health plans. Compare & Apply Online, Free instant quotes, Best prices, and Live help. You can't beat that!