Decide Which Kind Of Health Care Insurance You Need
The first step in finding the best medical insurance quote is to decide which kind of insurance plan you need. Numerous choices are out there, including:
- Major Medical Plans, which protect you in the event of accidents as well as serious illnesses, but permit you to handle everyday healthcare fees yourself. These are generally the lowest priced health care plans. They cover your hospital stays when you are ill or injured, but you are responsible for doctor visits and prescription drugs.
- Managed care plans including PPOs (Preferred Provider Organizations) and HMOs (Health Maintenance Organizations) in which you trade some flexibility and choice for a lower rate. They are the cheapest all-inclusive health care plans, covering your hospital expenses, visits to the doctor, as well as prescription medications. But the only health care professionals you are able to see are the ones in your HMO or PPO network.
- Medical Savings Account Plans - These plans allow you to place money in a tax-exempt savings account to use for medical needs. These plans are for people who are self employed or for small businesses with fewer than 50 employees.
- Fee-For-Service Plans, also known as Indemnity Plans, cover your medical costs after you pay your insurance deductible. These plans pay for your prescription medications, your visits to the doctor, as well as your hospital bills, plus they let you choose your own medical doctor. Since they're the most flexible of the health care plans they're also the costliest.
Which Plan Is Best
If you're young and in good health, a relatively inexpensive Major Medical Plan could be your best option. An HMO or PPO could be your best choice if you're on a financial budget and will need, or think you might need, heath care treatment. And if money is no object, a traditional Indemnity plan could be the ideal plan for you.
Where To Get The Cheapest Price Quote
Because prices can differ by several hundred dollars from one provider to another, obtaining a quote through your neighborhood agent is not an option if you want to receive the best rate. To ensure you get the best rate, you'll need insurance quotes from a number of companies.
Happily, there are insurance comparison sites which make obtaining and comparing insurance quotes from many different companies a snap.
All you need to do is visit the comparison site and fill in an easy questionnaire with details about yourself and your insurance needs. After you submit your questionnaire, you'll receive insurance quotes that you'll be able to compare from a number of top insurance providers.
Conclusion
Finding cheap health insurance coverage through a top provider is not really all that hard. All it takes is a little time to figure out which kind of insurance plan will fit your needs, then spend a few minutes at an insurance comparison site to get the lowest priced insurance plan with a top company. It's fast, it's easy, and it's free.
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