There are a lot of good reasons why you may be without health insurance.
Do any of these sound familiar?
Reasons like:
You’re self-employed and the premiums are expensive.
Your
employer doesn’t offer employee health insurance benefits.
You’re
a new employee and have to wait 3 to six months or longer before you
can join a plan.
You’re
not working and therefore don’t have access to group insurance
and individual insurance plans are just to expensive.
Researching more
options:
Start by deciding
whether you need a permanent or temporary plan, (good for waiting
till your new job benefits kick in).
For more information fill out the form and
a licensed professional will contact you with more information, answers
to your question and a free no-obligation health and medical insurance
quote!
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Insurance Coverage:
There are many
different types of health insurance.
Each type has it's
good and bad points. There is no one "right" plan. The plan
that's right for a single person may not be best for a family with small
children. And so on.
For example, if your family includes only one-two adults, it may be less
expensive for each of you to have an individual plan than a family plan
that covers you both. If you have children family plan will more than
likely be what you will need. Because your situation may change, review
your health insurance regularly to make sure you have the protection you
need.
Choosing a health insurance plan is like making any other major purchase:
You choose the plan that meets both your budget and your needs. Plans
that allow you the most choices in doctors and hospitals also tend to
cost more than plans that limit choices. Plans that help to manage the
care you receive usually cost you less, but you give up some freedom of
choice.
You need to compare
plans carefully for both cost and coverage.
Although there are many names for health insurance plans, the information
here groups them as three main types:
- Fee-For-Service
(or Traditional Health Insurance).
This is the traditional kind of health care policy. Insurance companies
pay fees for the services provided to the insured people covered by
the policy. This type of health insurance offers the most choices of
doctors and hospitals. You can choose any doctor you wish and change
doctors any time. You can go to any hospital in any part of the country.
- Health Maintenance
Organizations (or HMOs).
As an HMO member, you pay a monthly premium. In exchange, the HMO provides
comprehensive care for you and your family, including doctors' visits,
hospital stays, emergency care, surgery, lab tests, x-rays, and therapy.
- Preferred Provider
Organizations (or PPOs).
When you go to doctors in the PPO, you present a card and do not have
to fill out forms. Usually there is a small co-payment for each visit.
For some services, you may have to pay a deductible and coinsurance.
Unsure on how do you
compare insurance plans? Consider the following for each plan type:
- How much is the
deductible?
- How much is the
co-pay?
- Does this include
prescriptions?
- Does the coverage
exempt pre-existing conditions?
- Do you have any
special coverage requirements?
- Do you need mental
health benefits for you or a family member, or perhaps spousal coverage?
- Are your children
covered under the policy or will you have to purchase an additional
insurance policy?
Depending on your
and your family's health and medical needs, your questions may be different
but these will definitely get you started! For more
information fill out the form and a licensed professional will contact
you with more information, answers to your question and a free no-obligation
health and medical insurance quote!
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