The Way To Get A Cheap Health Insurance Plan With A Top Rated Company

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The Way To Get A Cheap Health Insurance Plan With A Top Rated Company
Health care costs are sky high, and for that reason so are health insurance premiums. So how can you purchase a cheap health insurance plan? Here's the easiest way .




Major Medical Plans

The most affordable non-comprehensive health plans are known as 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), and low monthly premiums.

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

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


HMOs, PPOs, And POSs

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 health insurance plans. They supply heath care treatment using a network of medical doctors and hospitals selected by the HMO.

With nearly all plans you pay a small fee known as a copayment for each doctor visit. You won't need to fill out a number of forms as you would with a traditional plan, and there are no deductibles to pay.

Whenever you are ill you must consult your primary medical doctor, also called a gatekeeper, who can treat you or refer you to a specialist. You are not covered if you decide to go to a medical doctor who is not part of your network.


PPOs

PPOs cost slightly more than HMOs, and are the most popular health insurance plans because they provide more flexibility than HMOs. They supply health care through a network of health providers.

Your copayment for each doctor visit is about the same as an HMOs, there are no forms to fill out, and no deductibles to pay. But there are no gatekeepers with a PPO so you can see a specialist without first seeing your primary care physician.


POSs

POS plans cost more than HMOs and PPOs, but provide the most flexibility of the three health care insurance plans. They supply health care through a health provider network, but you have the option of seeing a medical doctor of your choice.

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


Cheap Health Insurance Quotes

The easiest way to get cheap health insurance quotes is to head to an insurance comparison website. Here you can get quotes from a number of health insurance companies so you can compare rates.

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