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Affordable Personal Health Insurance Plans

Get Personal Health Insurance Quote - Personal Health Coverage


Your health is important to you, and a personal health insurance plan is a vital part of maintaining your health. When it comes time to seek medical attention, affordable personal health insurance plans help you see doctors without having to spend a small fortune. Health plans are divided into two types and you need to be familiar with the differences so that you can purchase the health coverage that best fits your needs.

The best place to research different personal health insurance companies is the Internet, with eHealthInsurance being the leading online destination for personal health insurance plans. With relationships with over 180 top medical insurance providers, eHealthInsurance is your one-stop source to compare, analyze, and purchase the cheap personal health insurance you need. With the ability to do everything from your personal computer, including getting a FREE, no-obligation personal health insurance quote, you never have to leave your home to get a medical plan.

Types of Personal Health Insurance Plans

Personal health insurance plans come in two different types, with some major differences between the two including your choice of medical professionals to see, how medical bills are paid, and your out of pocket costs. The two types are as follows:

  • Indemnity Plan - An indemnity plan is a traditional, fee for service health insurance plan. You are not required to seek primary care from one particular doctor and you have a great deal of freedom when it comes to picking which physicians or medical facilities you go to. However, an indemnity plan may require you to pay for services up front and then reimburse you the "usual, customary and reasonable" rate. You may be required to submit paperwork for the claim and you may end up paying more out of pocket if you choose an indemnity plan, including an annual deductible.
  • Managed Care Plan - Managed care health plans take advantage of healthcare provider networks that agree to perform work at pre-negotiated rates. Examples of managed care plans are HMOs, PPOs, and POSs. You generally have fewer choices when it comes to doctors and facilities than with an indemnity plan, but your out of pocket expenses are usually lower and the filing of claims is handled for you without you needing to pay up front for services.

You can sum up the differences between the types of personal health coverage plans available as follows: Generally speaking, you have a broader choice of providers with an indemnity plan as well as less paperwork and lower out of pocket costs with a managed care plan. You can visit eHealthInsurance to compare the different personal health insurance companies and their offerings side-by-side to better understand the differences and see which plans are best for your situation.

Get a Personal Health Insurance Quote

With the ability to easily find, and compare, affordable personal health insurance plans, eHealthInsurance is the best place online to find the right medical insurance plan. Since they are licensed to sell insurance in all 50 states, eHealthInsurance is able to present plans from leading insurance providers in a fashion that makes it very easy to decide which option is best for you.

When you get a personal health insurance quote from eHealthInsurance, you can be guaranteed you are being quoted the lowest possible rate. This is because insurance rates are regulated by your state's Department of Insurance, meaning no matter where you shop for insurance, the rates will always be the same.

Get FREE, no-obligation quotes and compare personal health insurance plans with eHealthInsurance today!