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Total Views: 72Word Count: 446See All articles From Author How to Get the Cheapest Health Care Insurance Quote in 3 Easy Steps
Posted by jeetjj94 on January 30th, 2017
1. Choose the Least Expensive Plan
There are numerous individual and family health care plans available. They range from comprehensive health care plans that cover all your medical needs Elgton Jenkins Inverted Jersey , to specialized plans that cover particular illnesses or situations.
The first step toward getting affordable health insurance coverage is to pick a plan that best fits your needs.
Comprehensive Plans
Fee-for-service plans - These are the traditional plans that cover all your medical needs, from doctor visits and prescription drugs to hospitalization. With these plans you pay a deductible, before your insurer will start paying claims, then you pay a co-payment which is usually 20% of the medical bill.
Fee-for-service plans allow you to choose your health care provider and are the most expensive plans.
Managed health care plans - These plans - HMOs, PPOs, and POSs - also cover all your medical needs. But unlike fee-for-service plans, you're assigned to a group of hospitals and doctors that you must use. With these plans you pay a small co-payment for each doctor visit Darnell Savage Jr. Inverted Jersey , and there are no deductibles to pay.
Managed health care plans are the least expensive comprehensive health care plans.
Specialized Plans
If you're in good health, consider using one of the following plans which are much cheaper than comprehensive plans:
Hospital and surgical plans - These plans restrict your coverage to hospital expenses such as surgical costs, room and board, X-rays, and lab tests.
Specified disease plans - These plans pay your medical expenses for a particular disease such as AIDS, heart disease, or cancer.
Accident only plans - These plans pay for doctor visits Rashan Gary Inverted Jersey , hospital costs, and surgical fees when you're injured in an accident.
2. Get Quotes
Insurance rates can vary by hundreds of dollars form one company to the next. So whatever plan you choose, get quotes from different insurance companies.