The cost of health care is through the roof, so the same is true for medical insurance rates. So how do you get a low-cost health insurance plan? The following article demonstrates how to get a cheap health plan with a great company...
Major medical plan
The main health care plan, also known as the catastrophic health plan, is the lowest cost non-integrated health plan. These plans have a higher insurance deductible [the total amount you paid for your claim before the insurance begins], as well as affordable premiums.
The main medical plan covers only hospital costs such as surgery, hospitalization, X-rays and diagnostic tests. They do not include access to your doctor or prescription drugs.
If you are young, reliable, healthy, have never seen your doctor, don't use high-priced prescription drugs, and have a tight budget, these plans may be just your tickets.
Comprehensive medical plan
The lowest-cost comprehensive health insurance plans are Health Maintenance Organizations [HMOs], Preferred Providers [PPOs], and Point of Service [POS] programs.
Health care organization
HMO is the lowest price in a comprehensive health insurance plan. They provide medical services through a network of doctors and medical facilities selected by HMO.
When you go to the doctor, you will pay a small co-payment, usually $10 to $15. The benefit of these programs is that there are no deductible deductibles, and you don't need to spend time filling out health insurance forms, such as if you would use a traditional medical plan.
Your primary care doctor will treat you or refer you to a specialist if you need medical help. If you decide to see a doctor who is not on your network, you will not be covered.
Preferred provider organization
PPOs cost slightly more than HMOs, and they are the most popular health insurance plans because they have more flexibility than HMOs. Like HMO, you need to choose your health care provider from an approved list of doctors.
Your co-payment at the time of each visit is the same as HMO. There are no forms to fill out and no deductible. However, there are no gatekeepers with PPOs, so you can find a medical professional without first seeing your primary care physician.
Service point plan
POS programs are more expensive than HMOs and PPOs, but offer the greatest flexibility for three health insurance plans. They provide health care treatment through a network of health providers, but you can also choose to see a doctor.
The doctor's access fee on the network is roughly the same as the cost of HMO and PPO, and you will receive up to 80% of your network access expense reimbursement after you pay the deductible.
Low-cost health insurance market
The easiest way to get a cheap health insurance quote is to visit the insurance comparison website. On these sites, you will receive a quote from a health insurance company that competes for your business.
When you visit one of the websites, you will be asked to fill out a simple questionnaire containing details of yourself and your health status. After submitting the questionnaire, you will begin to receive quotes from a number of top companies. You can then check the quotes at home and choose the plan for the cheapest offer that meets your needs.
Using a comparison website is quick, simple, and completely free.
Orignal From: A quick and easy way to get cheap health insurance quotes
No comments:
Post a Comment