Health Insurance Quotes Online - Best Rates, Best Companies
Searching for health insurance quotes online? Here's a simple guide that will show you how to get the best rate with a top company.
Health Insurance Plans
Unless you want to risk losing everything you own to a catastrophic illness, you need to have health insurance ... and the sooner the better. Here are the basic types of health insurance plans:
FFSs (Fee for Service plans), also known as indemnity plans, allow you to choose your own doctors and hospitals, but charge higher premiums. higher out-of-pocket expenses, and involve more paperwork than other plans. They require a $500 to $1,000 deductible before the insurer will pay your claim, and typically reimburse you for only 80% of the total cost.
HMOs (Health Maintenance Organizations) provide you with a network of doctors and hospitals which you must use, and are the cheapest of all the health insurance plans. You must choose an in-network primary care physician who oversees your medical care and you're required to pay a small co-payment each time you see a doctor.
PPOs (Preferred Provider Oganizations) also assign you a network of physicians and hospitals like an HMO, however you may visit a non-network physician for an additional fee. PPOs cost a little more than HMOs, and co-payments average $5 to $10 per office visit
POSs (Point of Service plans) are similar to HMOs and PPOs in that you are assigned a network of health care providers, but you you may also see non-network physicians and still receive partial coverage. Co-payments are usually $5 to $10, and PPOs cost more than HMOs and PPOs, but are cheaper than FFS plans.
Best Health Insurance Quotes Online
In order to get the best possible health insurance quote online you need to get quotes from a number of insurance companies. The quickest and easiest way to do that is to go to an insurance comparison website.
At an insurance comparison website you fill out a simple questionnaire with information about your health and the type of health insurance you want, then you wait to get quotes. After you get your quotes you compare them and choose the best one.
If you have questions about health insurance and health insurance plans, there are comparison sites that feature an online chat service where you can get answers to your questions from an insurance expert. (See link below.)
Health Insurance Company Ratings
In addition to getting a cheap rate, you also want a reliable company. Here are two websites where you can get health insurance company ratings:
A.M. Best (ambest.com) - A.M. Best rates insurance companies on their financial strength, which gives you an indication of their ability to pay insurance claims.
J.D. Power & Associates (jdpower.com) - J.D. Power & Associates rates insurance companies based on consumer feedback, which gives you an idea of how a company treats its customers and pays its claims. By: Brian Stevens Article Source: http://www.ArticleDashboard.com Visit www.LowerRateQuotes.com/health-insurance.html or click on the following link to get health insurance quotes online from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written numerous articles on getting health insurance quotes online.
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