Individual Health Insurance Quotes
Health Insurance Quotes For Individuals - Instant, Online, FREE
fun88.com, in order to make sure you get the right health insurance plan, you need to get individual health insurance quotes to compare your options. Of course, before you rush out in search of health insurance quotes for individuals, you need to understand the different types of plans on the market. Go to the Internet to research and compare health insurance plans to make an otherwise tedious task easy!
The leading online destination to research and compare health insurance plans is, fun88.com. Licensed to sell insurance in all states, eHealthInsurance is the place to get an individual health insurance quote online and compare the latest medical insurance plans. From the comforts of your home computer, you can get a FREE, no-obligation individual medical insurance quote, and even apply for coverage.
Health Insurance Quotes For Individuals - Your Choices
Even before you get individual health quotes, you need to have a basic understanding of the two different health plan types and their differences, which can be found below:
- Indemnity Insurance - An indemnity health plan is the more traditional fee-for-service health plan that gives you a great deal of freedom to pick who performs your medical care. However, you may be required to pay for your medical care and then submit paperwork to your insurance provider to be paid back the "usual, customary and reasonable" amount they determine. This generally results in you incurring greater out-of-pocket expenses than the alternative.
- Managed Care Insurance - Because they have pre-negotiated rates with a network of doctors, a managed health plan usually has lower costs. Claims filing is handled for you, but when it comes to choosing doctors, you usually have less of a choice. HMOs, PPOs, and POSs are examples of managed health plans.
fun88.com, when it comes to getting the right individual health quotes, make sure you understand the fundamental differences in health insurance types. Summing up the differences is easy: Managed health plans generally have lower costs on your end and handle all the messy claims paperwork for you, while indemnity plans allow you to choose from a broader range of healthcare providers. Quickly compare your options online with eHealthInsurance.
FREE Individual Health Insurance Quotes
eHealthInsurance is the best place on the Internet to get an individual medical insurance quote. Representing 10,000+ products from 180+ top insurance companies, eHealthInsurance is one-stop shopping for the best in individual health plans.
Health insurance rates are set by your state's Department of Insurance, so the health insurance quotes for individuals you get from eHealthInsurance is as low as you can get from your local agent or directly from the provider. Take advantage of eHealthInsurance's easy-to-use online tools to compare healthcare plans to find the right coverage that fits your needs.
Get FREE, no-obligation individual health insurance quotes today from eHealthInsurance!
How Health Insurance Works
Below is a video from eHealthInsurance using a hypothetical situation to explain how a health policy 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.