Affordable Health Insurance Coverage Quotes
Find Health Care Insurance Coverage Online
When you are shopping for affordable health insurance coverage, you need to understand what each health plan offers. Health care insurance coverage can be confusing, but there are places online that make it easy to figure out what kind of coverage is right for you.
eHealthInsurance is the Internet's leading destination to research and purchase healthcare insurance coverage as they offer over 10,000 health insurance products online. When you visit eHealthInsurance, you can find out which private health insurance coverage plan is best for you, instantly get FREE, no-obligation quotes, and even apply for coverage online.
Health Insurance Coverage Choices
There are different things to consider when shopping for the right health insurance coverage, including:
- Amount of Coverage - You can get cheap health insurance coverage that is used only for emergencies, or you can get more expensive comprehensive coverage that you can use for anything from routine doctor visits to serious illnesses.
- Your Out-of-Pocket Expenses - Certain health care insurance coverage plans require you to pay an annual deductible and may have a copayment or coinsurance when you seek care. Generally, the lower the monthly premium, the greater your out-of-pocket expense. If you use your health plan often, consider a higher monthly premium with lower out-of-pocket expenses. If you use your plan infrequently, higher out-of-pocket expenses and lower monthly costs might be best.
- Seeking Care - Typical healthcare insurance coverage is based on having a network of doctors that agrees to provide services at a pre-negotiated rate. Of course, this means that the doctor you want to go to has to be part of the network, or you will have no coverage when seeing them. Also, some health plans require you to be referred to specialists, when other (typically more expensive) plans let you see specialists without referrals.
These are just some of the things to consider when shopping for private health insurance coverage. Learn more about what to look for in heath coverage by visiting eHealthInsurance's website, where you can research coverage options, get FREE, no-obligation quotes and apply for coverage online.
Health Care Insurance Quotes
With eHealthInsurance's easy to use website, you can instantly get quotes for affordable health insurance coverage. These quotes are the lowest available for a particular plan as health plan premiums are set by your state and will not vary no matter where you purchase coverage from.
Quickly find the right health plan on eHealthInsurance's free website. Visit eHealthInsurance to instantly get your FREE, no-obligation health insurance coverage quotes today!
How Health Insurance Works
Below is a video from eHealthInsurance using a hypothetical scenario to help explain how health coverage works.
Managed Care Plan Types Compared
| HMO | POS* | 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). |  |  | |
| 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. | | | |
| 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. | | | |
| 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). | | | |
| 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. | | | |
| 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. | | | |
| 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. | | | |
| 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. | | | |
| 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. | | | |
| Low Cost - An HMO typically is the least expensive health coverage option, but gives you the least flexibility. | | | |
| 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. | | | |
| 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. | | | |
*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.
