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Online Health Insurance Plan Comparison & Quotes

Before you can compare health insurance plans,, need to be familiar with the two main types - indemnity and managed care plans. An indemnity health insurance plan has been around the longest and is the most inconvenient as it makes you pay for services up front and seek reimbursement from your provider. Managed care plans have come about more recently and offer many benefits, as explained in the next section.

When it comes to health plan comparison, eHealthInsurance is the industry leader online. With eHealthInsurance, you can do health insurance plan comparisons amongst 180 leading health insurance providers, instantly get FREE, no-obligation quotes and even apply for coverage, all from your computer.

Managed Health Insurance Plans Comparison

Below is a health insurance plans comparison, showing you the differences between the 3 types of managed health insurance plans.

  • HMO - A Health Maintenance Organization is a very affordable health insurance plan, but with less flexibility in choosing who to receive care from. You are required to not only pick a primary care physician,, but this doctor must give you referrals to see specialists. A deductible and copayments are not usually a part of an HMO, resulting in less out-of-pocket costs with this type of health insurance plan.
  • PPO - A Preferred Provider Organization lets you choose which doctors you see but you will pay less out-of-pocket if you see in-network physicians who have negotiated lower service rates with your insurance carrier. You may have to pay a copayment or coinsurance for certain health care services, and most likely there is an annual deductible you will need to satisfy. A PPO is very flexible when it comes to choosing your doctors, but you will spend a bit more for this flexibility.
  • POS - A Point of Service health insurance plan offers some features from a PPO and some features from an HMO. Like a PPO, you can choose your doctor or specialist without a referral, but these visits may be subject to an annual deductible. And like an HMO, you have to choose a primary care physician but visits to this doctor cost you less as generally there is not a deductible associated with them.

Easily compare health insurance plans with eHealthInsurance to figure out if you would be better off with the flexibility of being able to go to any network doctor you want, or save money by seeing one primary doctor for your healthcare needs.

Compare Health Insurance Plan Quotes Online, allows you to receive quotes from over 10,000 health care products, making it very likely you will find a health insurance plan that is right for you. Think of eHealthInsurance as health insurance plan comparisons made easy as they give you simple to use online tools to find the best coverage to meet your budget. Getting quotes instantly allows you to quickly decide on a health insurance plan.

Whether you get quotes from eHealthInsurance, a local insurance agent, or directly from the provider, you will receive the exact same quote as premiums for a particular plan are set by your state's Insurance Commissioner and do not vary. Therefore, you have no reason to not use eHealthInsurance's free service for your health insurance plans comparison.

Compare health insurance plans and receive FREE, no-obligation quotes instantly from eHealthInsurance today!

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