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A Quick And Easy Way To Get Cheap Health Insurance

  Health care costs have gone through the roof these days, and consequently so have health insurance rates. So how do you get a cheap health insurance policy? This article will show you how to get an inexpensive health plan with a top-rated company … the easy way. Major Medical Plans Major medical health plans, also referred to as catastrophic health insurance, are the lowest cost non- comprehensive health plans. They have a high insurance deductible (the amount you pay toward your claim before your insurer pays), plus relatively inexpensive premiums. Major medical plans only pay for hospital costs like surgical treatments, hospital stays, X-rays, and diagnostic tests. They do not pay for visits to your doctor or prescription drugs. If you're relatively young, in good health, hardly ever visit your doctor, do not use high-priced prescription drugs, and are on a tight budget, these plans could be just the ticket for you. Comprehensive Medical Plans The lowest priced comprehensive health insurance plans are Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Point-of-Service plans (POSs). HMOs HMOs are the lowest priced of the comprehensive insurance plans. They supply health care through a network of doctors and medical facilities chosen by the HMO. When you visit your doctor you are required to pay a small copayment, commonly $10 to $15. The best part of these plans is there are no deductibles to pay, and you do not need to spend time filling in health insurance forms as you would with conventional medical plans. Your primary care doctor will either treat you or else refer you to a specialist whenever you need medical help. You are not covered if you decide to see a doctor who is not part of your network. PPOs PPOs cost slightly more than HMOs, and are the most popular health care insurance plans because they give you more flexibility than HMOs. Like an HMO, you will need to select your health care provider from an approved directory of doctors. Your co-payment for doctor visits is nearly the same as an HMO's, there are no forms to complete, and no deductibles to pay. And, unlike an HMO, you can go to a medical specialist without first getting approval from your primary care doctor. POSs POS plans are more expensive than HMOs and PPOs, but deliver the most flexibility of the three medical insurance plans. They supply health care treatment by way of a health provider network, but you have the option of seeing a physician of your choosing. Copayments for doctor visits are about the same as with HMOs and PPOs, and you will be reimbursed up to 80% for out-of-network doctor visits. Low-cost Health Insurance Quotes The simplest way to get inexpensive health insurance is to visit an insurance comparison website. When you visit these sites you'll receive quotes from a number of health insurance companies competing for your business. At these sites you will be asked to complete an easy questionnaire with details about yourself and your health. After you submit the questionnaire you'll begin to receive quotes from several top-rated companies. You can then compare  your quotes in the privacy of your home, and choose the plan with the cheapest quote that fits your needs. Using a comparison site is fast, it's easy, and it's totally free. Click this link to compare cheap health insurance quotes from top-rated companies © Copyright RateQuotesNow.com About Us   |   Privacy Policy   |   Terms Of Use   |   Contact   |   Site Map
Rate Quotes Now
Auto    |    Health    |    Home    |    Life    |    Renters    |
Top Companies - Lowest Rates

A Quick And Easy Way To Get Cheap

Health Insurance

  Health care costs have gone through the roof these days, and consequently so have health insurance rates. So how do you get a cheap health insurance policy? This article will show you how to get an inexpensive health plan with a top-rated company … the easy way. Major Medical Plans Major medical health plans, also referred to as catastrophic health insurance, are the lowest cost non- comprehensive health plans. They have a high insurance deductible (the amount you pay toward your claim before your insurer pays), plus relatively inexpensive premiums. Major medical plans only pay for hospital costs like surgical treatments, hospital stays, X-rays, and diagnostic tests. They do not pay for visits to your doctor or prescription drugs. If you're relatively young, in good health, hardly ever visit your doctor, do not use high-priced prescription drugs, and are on a tight budget, these plans could be just the ticket for you. Comprehensive Medical Plans The lowest priced comprehensive health insurance plans are Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Point-of-Service plans (POSs). HMOs HMOs are the lowest priced of the comprehensive insurance plans. They supply health care through a network of doctors and medical facilities chosen by the HMO. When you visit your doctor you are required to pay a small copayment, commonly $10 to $15. The best part of these plans is there are no deductibles to pay, and you do not need to spend time filling in health insurance forms as you would with conventional medical plans. Your primary care doctor will either treat you or else refer you to a specialist whenever you need medical help. You are not covered if you decide to see a doctor who is not part of your network. PPOs PPOs cost slightly more than HMOs, and are the most popular health care insurance plans because they give you more flexibility than HMOs. Like an HMO, you will need to select your health care provider from an approved directory of doctors. Your co-payment for doctor visits is nearly the same as an HMO's, there are no forms to complete, and no deductibles to pay. And, unlike an HMO, you can go to a medical specialist without first getting approval from your primary care doctor. POSs POS plans are more expensive than HMOs and PPOs, but deliver the most flexibility of the three medical insurance plans. They supply health care treatment by way of a health provider network, but you have the option of seeing a physician of your choosing. Copayments for doctor visits are about the same as with HMOs and PPOs, and you will be reimbursed up to 80% for out-of-network doctor visits. Low-cost Health Insurance Quotes The simplest way to get inexpensive health insurance is to visit an insurance comparison website. When you visit these sites you'll receive quotes from a number of health insurance companies competing for your business. At these sites you will be asked to complete an easy questionnaire with details about yourself and your health. After you submit the questionnaire you'll begin to receive quotes from several top-rated companies. You can then compare  your quotes in the privacy of your home, and choose the plan with the cheapest quote that fits your needs. Using a comparison site is fast, it's easy, and it's totally free. Click this link to compare cheap health insurance quotes from top-rated companies © Copyright RateQuotesNow.com About Us   |   Privacy Policy   |   Terms Of Use   |   Contact   Site Map
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