Individual Health Insurance Quotes
Finding affordable individual health insurance quotes has never been more convenient than at OneStopHealthInsurance.com where you can compare health insurance plans. Whether you are looking for health insurance for self-employed, for students or any other individuals, you can compare plans and benefits at our site in order to best meet your health care needs. Let us help you make the most of your money by comparison shopping for individual health insurance plans on our site, which offers our outstanding service and rates combined with the ease of online shopping.
Generally speaking, there are two types of individual health insurance plan categories and we can help you find individual health insurance quotes for both. There are indemnity or reimbursement plans and there are managed care plans. With indemnity plans you can use the services of any provider and your medical expenses are covered. Managed care plans are usually less expensive and they offer a wider coverage range, but the plan specifies which providers are in your ‘network’. Managed care involves an arrangement between the insurer and a selected network of doctors, hospitals and other health providers. Managed care plans include HMOs, health maintenance organizations, PPOs, preferred provider organization, and point of service (POS) plans. As your source for health insurance for individuals we can help you find affordable health insurance to cover your needs.
All individual health insurance plans have advantages and disadvantages. By selecting an HMO, the co-payments are usually lower than with PPOs, and an HMO does not require deductibles. A deductible is a specific dollar amount that an individual must pay before reimbursements for medical expenses begin. One way to save on health insurance quotes is to remember that the higher the deductible, the lower the cost of the health insurance premiums.
PPOs may be a good choice for individuals who have medical conditions requiring specialized care, because PPO members don't need a referral to see a specialist. With a PPO, individuals can still get some coverage regardless of network affiliation. By understanding the different types of plans, you can shop around for individual health insurance quotes that best meet the individual's needs in all stages of life.
We offer quality coverage at our website when you compare individual health insurance quotes quickly and easily. Any good health insurance policy for individuals should contain four types of coverage. The first type is major medical insurance, which covers you against losses from catastrophic illness or injury. Another type is physicians' expense insurance that covers your visits to the doctor's office or when a doctor sees you in the hospital. Hospital expense insurance covers room, board and incidental costs if you're hospitalized, and surgical expense insurance covers the surgeons' fees and related costs.
In addition to these four types of coverage, ask if additional benefits are offered, such as coverage for prescription drugs, vision care, preventive care, mental health benefits, and maternity care. It pays to shop around for health insurance for individuals, because premiums offered can vary widely. Find individual health insurance quotes here to help you lower your premiums and find more comprehensive coverage for your individual medical insurance needs.
