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Family Health Insurance Rate Quotes

Family Health Insurance Quote - Family Medical Insurance Quote

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The best way to find the best family health insurance rate is to go online, where not only can you get an affordable family health insurance quote, but you can easily compare your options. The Internet has revolutionized the way you shop for health insurance for your family, giving you the tools and resources to quickly find a health insurance plan that is right for you.

The leading destination on the Internet for family health insurance quotes is eHealthInsurance. With the ability to compare health insurance options, find the type of plan that is best for your family, get a FREE, no-obligation family medical insurance quote, and apply for coverage from your computer,, greatly simplifies the task of finding family health insurance coverage.

Family Health Insurance Rate Considerations

Family health insurance is coverage that is made available for families needing medical coverage. While in a perfect world you would have coverage through an employer, it is not always an option. Therefore, you need to seek coverage on your own, through a family health insurance plan.

Before seeking family health insurance rates, you need to consider what type of coverage will work best for your family. There are two main types of coverage - indemnity plans and managed care plans.

Indemnity plans are the traditional type of coverage that gives you freedom to choose your health care providers, but will cost you more out-of-pocket and require more paperwork. This style of health plan is not as cost effective as the alternative and is becoming less popular as the years pass.

Managed health plans include HMO, PPO and POS plans that generally require you to seek care from a network of providers who have agreed to perform services at a set rate. Claims are handled for you, and your expenses are generally lower with a managed health plan.

Finding the right type of family health insurance coverage is easy with eHealthInsurance., compare the different types of coverage, find out what costs will be your responsibility and receive an affordable family health insurance quote for the plans that interest you.

Getting Family Health Insurance Quotes

eHealthInsurance is a great place to compare the family health insurance rate of one type of coverage to another to quickly find out what might be your best option. Not only does eHealthInsurance allow you to quickly find the right coverage, but they have online resources that allow you to understand what you are looking at and discover what type of health care plan is right for you.

The family medical insurance quotes you get from eHealthInsurance are the lowest available for a particular plan because insurance premiums are regulated by individual states. This means that the quote you get from a local agent, directly from the provider, or through eHealthInsurance's easy to use online interface will be identical. Take advantage of the FREE, no-obligation service offered by eHealthInsurance to find the right coverage for your family., get FREE, no-obligation family health insurance quotes today!

How Health Insurance Works

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

Managed Care Plan Types Compared

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
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
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
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
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
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
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

*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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