|
Get Free Health Insurance Quotes
Save up to 40% on
Insurance
Individual health insurance policies are best
suited for individual whose employer does not offer any or
adequate group insurance coverage.
If your employer does not offer group health insurance, or if the
insurance offered is very limited, you can buy an individual policy.
Typically available are fee-for-service, HMO, PPO, or POS
protection. As individual plans may not offer benefits as broad as
those in group plans, it is wise to consider available options
carefully and fully understand the policy being presented.
- Fee-for-Service (Indemnity) Health Insurance: This is
the traditional kind of health care policy. Insurance companies
pay fees for the services provided to the insured. This type of
health insurance offers the freedom to choose doctors and
hospitals. One can choose any doctor they wish and change doctors
at any time. These plans also allow the insured to use any
hospital in any part of the country. Generally a yearly deductible
is charged and a percentage of costs above the deductible are
covered. An example might include a $250.00 deductible and 80%
coverage once the deductible is reached.
- HMO (Health Maintenance Organization) Coverage: These
are essentially prepaid health plans. In exchange for a monthly
premium, the HMO provides comprehensive care for the insured,
including doctors' visits, hospital stays, emergency care,
surgery, lab tests, x-rays, and therapy. Care is provided either
directly in its own group practice or through doctors and other
health care professionals under contract. Generally, the choice of
doctors and hospitals is limited to those that have agreements
with the HMO. Although, exceptions can be made in emergencies or
when medically necessary.
- PPO (Preferred Provider Organization) Coverage: A cross
between traditional fee-for-service and an HMO. Like an HMO, there
are a specific doctors and hospitals to choose from. In a PPO,
though, it is possible to use doctors who are not part of the plan
and still receive some coverage. This type of plan is well suited
for individuals who want an HMO style prepaid plan, but want to
use a doctor that is not part of the network. As with HMO's, these
plans are geared towards preventive care and include a broad range
of services.
- POS (Point-of-Service) Coverage: A Point-of-Service
medical plan is basically a combination of a PPO and an HMO. Like
the other types of managed care, POS plans are established to
provide lower cost medical care to those that remain in the
network. Assume for a moment that POS's are structured identically
to PPO medical plans. The major difference between a POS and PPO
plan is that the Point-of-Service plan makes use of a Primary Care
Physician. With the POS plans, if you seek medical care outside of
the network, you will be responsible for full payment. On the
other hand, if your Primary Care Physician gives a referral for
you to see a specialist outside of the network, the insurer will
pick up most of the cost. As with HMO plans, POS plans typically
include preventive care and health improvement programs.
- Catastrophic
health Coverage policies are intended only to pay
for major hospital and medical expenses, not routine visits to the
doctor's office or trips to the ER to get stitched up. A
catastrophic plan would cover things like treatment in an
intensive-care unit for 10 days after an auto accident or
complications from a pregnancy that land you in a
hospital.
To obtain free quotes and rates on any
of the coverage types shown above please visit our one of the sites
below. To make sure you get the most competitive Health Insurance
quotes available, you should get a quote from each company
below.
Free-insurance-quotes-4-you.com offers a convenient way to
comparison shop for Health Insurance Quotes and more in a secure, pressure-free
environment. You don't have to leave home, spend hours on the phone
or jump through hoops to get the best insurance quotes. It’s easy to use, and
it costs nothing to apply.
Finding Health Insurance Quotes is as simple as entering these
words into a search engine. In addition to Health Insurance Quotes, you will be able to find
insurance quotes for any type of insurance when using Free-Insurance-Quotes-4-You.com.
Shopping around for Health Insurance Quotes is the best way to save money on your insurance.
You can compare free online insurance quotes from many of the
nation’s leading insurance companies.
We offer quotes for auto
insurance, term life insurance, homeowners insurance,
individual health insurance and more.
Each of these insurance companies below offer free quotes on a wide range of
insurance choices. To make sure you get the most competitive
Health Insurance Quotes, we suggest that you get a free online insurance quote from Free-Insurance-Quotes-4-You.com.
Home |
Auto Insurance |
Health Insurance |
Home Insurance |
Long Term Care |
Dental Insurance |
Disability Insurance |
Low Cost Quotes |
Annuities |
Life Insurance |
Renters Insurance |
Motorcycle Insurance |
Car Insurance |
Business Insurance |
Boat Insurance |
RV Insurance |
Flood Insurance |
Smokers Insurance |
Workers Comp |
Medical Insurance |
Glossary |
Insurance Companies |
Affordable Coverage |
Site Map |
| 
