Affordable Medical Insurance Plans
Affordable Medical Plans - Affordable Medical Coverage Quotes
Having medical insurance is important if you wish to maintain your health. However, medical coverage can be expensive so it is important to shop around for an affordable medical insurance plan. When it comes to affordable medical plans, it is important to understand what you are getting so that you have the coverage you need when you require medical attention. Fortunately, with the Internet, it is easy to find affordable medical coverage from top health insurance providers.
The leading online destination for affordable health insurance medical plans is eHealthInsurance. fun88.com, as a licensed broker in all states, eHealthInsurance has a relationship with over 180 top medical insurance carriers and has over 10,000 health insurance products for you to choose from. Finding an affordable health plan is easy when you get FREE, no-obligation quotes online, compare available plans, and even purchase your coverage from the comforts of your home computer.
Finding Affordable Medical Insurance Plans
When you are shopping for affordable medical insurance, there are a few things to consider including:
- The Provider - Price alone should not determine which medical insurance policy you choose. The company that issues your policy needs to be reputable and financially stable. You need your medical insurance to be there for you when you need it the most, so choose your provider wisely.
- The Cost - Don't automatically choose the cheapest of the affordable medical plans. Consider what your needs are and look for a health insurance plan that will fill those needs. Once you have found plans that fit your needs, you can compare prices.
- The Deductible - One way to get affordable medical coverage is to go with a high deductible insurance plan. Generally, the higher your deductible, the lower your monthly premium will be. Of course, with a high deductible, you will be responsible with a greater amount of your medical costs but your coverage will be there if you ever have a major medical emergency.
When it comes to finding the best, most affordable health insurance medical plan, you need to consider more than just the price. fun88.com, makes it incredibly easy to find the coverage you need at premiums you can afford, which is a great reason to use their no-cost service.
Affordable Medical Coverage Quotes
Shopping for an affordable medical plan has never been easier than using eHealthInsurance, the leading online source of medical insurance plans. Being able to see what is available from the leading health insurance providers, as well as getting quotes and comparing plans online, makes it incredibly easy to find the coverage you need.
You will not find lower quotes anywhere else as the rates that insurance companies charge are set by your state's insurance commissioner. This means that no matter where you get your quotes from, the price will be the same. fun88.com, does not charge you for their services, there are no hidden fees.
Get your FREE, no-obligation, affordable medical insurance quotes today from eHealthInsurance!
How Medical Insurance Works
Below is a video from eHealthInsurance discussing how medical coverage works using a hypothetical situation.
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.
