Buy Health Insurance Online and SaveWritten by Brad Triggs
It is now possible to thoroughly research and buy health insurance online. Without health insurance, smallest of incidents, accidents, or illness can leave you with expensive medical bills that most people would have difficulty paying. Even a short check up at doctor's office for a sore throat, or minor illness can cost a couple hundred dollars. It's important for everyone to obtain health insurance, no matter how healthy you tend to be- because you simply cannot predict what might happen.There are many things to consider when you get ready to purchase your insurance, and thankfully, ability to obtain your insurance online has also enabled us a fast way to compare prices of many different companies in a very short time. Can you imagine if you had to look up phone numbers of twenty different insurance companies, then call each one- probably get placed on hold for a few minutes (or more!), and then give each company your information in order to receive a quote as to how much policy will cost you? This would take hours, if not days, to complete your research on insurance, different coverage available, and cost of each.
| | Health Insurance Plans and their DifferencesWritten by Brad Triggs
Health insurance plans have changed dramatically over past ten years, and American's currently have several different options to choose from- including HMO's, PPO's, fee-for-service plans, MSA's and major medical. There are two main categories of health insurance plans that each of these policies is classified as; managed care plans and indemnity care plans. The differences between each of these plans mean differences in how you will receive health care when you need it.Managed care health insurance plans, mostly HMO's, focus primarily on prevention, and people with these types of policies pay less for their coverage. The drawback is that you are limited to specific health care providers. Indemnity plans, also known as fee-for-service plans, will cost you more- but you are completely covered no matter what illness or accident might occur. Indemnity plans place an emphasis on patient choice, allowing you to choose where and when you are treated. The newest options in health insurance plans include PPO (preferred provider organization) plans. These are somewhat a hybrid between managed care and indemnity categories. Due to their flexibility, these plans are becoming most popular. PPO plans are similar to managed care plans in that they encourage preventative care, such as routine check ups which are covered under plan, but you are allowed more of a choice over what doctors you can see.
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