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Family Medical Insurance Plans

FREE Family Medical Plan Quotes - Family Medical Coverage


A family medical insurance plan offers health coverage for you, and your family, to ensure you are able to get the medical care you require. Family medical plans come in a couple of different types, each offering advantages and disadvantages. You need to understand your options in order to make an informed decision as to which family medical coverage is the best fit.

As the Internet's leading destination for medical insurance plans, eHealthInsurance is your best bet when it comes to learning about family insurance medical plans. eHealthInsurance allows you to compare options, instantly get FREE, no-obligation family medical plan quotes, and apply for coverage directly from your home computer. It has never been easier to get the medical coverage your family needs!

Family Medical Insurance Plan Types

Family medical insurance plans offer coverage for families that do not have health insurance coverage from an employer. Indemnity and managed care plans are the two types of family medical plans currently available on the market.

Traditional health coverage is offered through indemnity plans, which give you the choice to decide what doctors to see, but come at a higher cost and require you to file claims yourself. Indemnity plans are falling out of favor and are being passed up for the alternative.

HMOs, PPOs and POSs are examples of managed health plans that are becoming increasingly popular as family medical insurance plans. Managed care plans offer you a network of providers to seek care from, all of which have agreed to a fee which they will charge for the care they provide, which results in lower costs to you.

Use eHealthInsurance to help you decide which type of family medical insurance plan fits your needs the best. They offer you the ability to research available options, compare rates and apply for coverage online from the comforts of your home.

Receiving Family Medical Plan Quotes

Finding the right family medical plan is easy when you use eHealthInsurance's FREE, no-obligation online service. Compare family medical coverage and benefits of various plans from leading insurance providers, get quotes so that you can compare rates, and apply for coverage from within eHealthInsurance's website.

When you receive a quote for a particular family medical insurance plan, you can rest easy knowing it is the lowest rate possible. This is because rates are regulated and approved by your state's insurance department and are the same regardless of where you get a quote from. Take advantage of eHealthInsurance's easy to use online interface to research and apply for the coverage your family needs.

Get instant, FREE, no-obligation quotes for family medical insurance plans from eHealthInsurance.



How Medical Insurance Works

Below is a video from eHealthInsurance discussing how medical coverage works using a hypothetical policy and medical procedure.





Managed Care Plan Types Compared


HMOPOS*PPO
Low Flexibility - HMOs (Health Maintenance Organizations) have the least amount of flexibility of the three managed care plan types as they require the insured to have a primary care physician who refers them to any other medical professionals. Care is all within the network of doctors that have contracted with the health insurance provider - this limits the provider options. If a medical professional or facility is not within the network, the insured will not have medical coverage if they choose to use them (unless it is an emergency).checkmarkno-xno-x
Moderate Flexibility - POS (Point of Service) plans are more flexible than the HMO plans, but not as flexible as the PPO plans. POS plans are a hybrid of both HMO and PPO, with the main component being a referral and co-pay based plan like an HMO where a primary care physician is picked, who then refers the insured to in-network medical professionals, and the insured is responsible for co-pays up to an annual out-of-pocket amount. A POS has an out-of-network option that is deductible, non-referral based that allows the insured to choose where to receive care, but expenses are out-of-pocket until the annual deductible limit has been met. This gives an option to a person that doesn't want to be locked into a totally referral based structure that an HMO provides.no-xcheckmarkno-x
High Flexibility - PPO (Preferred Provider Organization) plans are the most flexible of the three managed care plan types. There is no referral necessary to see a medical professional, which means the insured can seek care from whomever they wish, including both in-network and out of network providers. Costs will generally be lower for in-network providers, as the medical professionals have a contractual obligation to provide care at a negotiated rate. While care can be sought outside of the network, the insured will be faced with higher annual deductible amounts, possibly higher co-insurance amounts, and generally overall higher costs.no-xno-xcheckmark
In-Network Only - Healthcare must be received from a medical professional that is part of the network that contracts with the insurance provider. This network of medical professionals has a contract with the insurance company that states they will provide services for a set rate (depending on the service rendered), thus providing care at a discounted rate. If care is received from a medical professional outside of the network, the insurance provider most likely will not pay for the coverage (except for cases of emergencies).checkmarkno-xno-x
In & Out of Network - The insured may seek medical care within a network of healthcare professionals that have contracted with the insurance provider to provide care at a reduced cost. The insured may also seek medical care outside of the network, but their out-of-pocket expenses will be higher as care is not provided at a reduced rate. Maximum annual deductibles will be higher for out of network providers, greatly increasing the costs to the insured, giving them incentive to only seek care from an in-network provider.no-xcheckmarkcheckmark
Referral Based - The insured must pick a primary care physician who provides referrals to other medical care professionals as needed. If you see a specialist without a referral, your costs most likely will not be covered by the insurance provider.checkmarkcheckmarkno-x
Non-Referral Based - The insured does not need a referral to seek medical treatment from a healthcare professional. They may see whomever they wish, though it is in their best interest to see in-network providers to keep their costs low.no-xcheckmarkcheckmark
Co-Pay Based - The insured is responsible for co-pays (for office visits and medical procedures) until an annual maximum out-of-pocket expense limit is reached, at which time coverage is paid for 100% by the insurance provider.checkmarkcheckmarkno-x
Deductible Based - The insured pays for care out-of-pocket (at rates negotiated by the insurance company) until an annual deductible is met, at which time the insurance company starts to pay. Once the deductible is met, there may be a co-insurance amount (up to an annual maximum), which is a percentage of the bill the insured pays, such as 20%, where the insurance company picks up the tab for the rest. Depending on the plan, you may have a co-pay for certain things such as doctor office visits, though many PPOs don't use a co-pay.no-xcheckmarkcheckmark
Low Cost - An HMO typically is the least expensive health coverage option, but gives you the least flexibility.checkmarkno-xno-x
Moderate Cost - A POS plan's price usually comes in somewhere between that of a comparable HMO and PPO. This is because it offers a bit of the benefits of both, while trying to contain costs. People looking for the low cost benefits of an HMO, yet a bit more flexibility (like a PPO) should consider a POS plan.no-xcheckmarkno-x
Higher Cost - A PPO plan is the most flexible, but is usually the most expensive. You pay for the ability to pick and choose your medical professional, without being locked down to a primary care provider. If flexibility is what you want, you will pay a higher monthly premium.no-xno-xcheckmark

*POS Plans - The most popular type of managed care plans are HMOs (Health Maintenance Organizations) and PPOs (Preferred Provider Organizations). POS plans, while available, are not as common as the other two, so as you are comparing plan benefits and costs via eHealthInsurance's website, don't be surprised if all you see are HMOs and PPOs.





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