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Health Insurance

Health Insurance

If you are looking for health insurance quotes then do your health insurance shopping the easy way! Fill out one quick form (usually under 30 seconds) and then view quotes from top health insurance companies offering health care coverage in your zip code.

Rather than calling or requesting quotes from Unicare, Blue Cross Blue Shield, Assurant Health, United Healthcare, Aetna, Celtic, Humana, CIGNA, Pacificare and more directly - let the Internet speed along the process and view quotes from multiple companies side by side.

Affordable health insurance is just a few mouse clicks away. Put your zip code in the box at the top of the page and then answer some health questions in order to view health insurance quotes from top health care providers in your area!

The Importance Of Buying And Keeping Health Insurance

Health insurance may be the most important type of insurance for anyone to carry. In a country where medicine is not socialized, good health insurance can be the key to getting good health care. Those without it often put off seeing the doctor because of the expense involved. Things often get more serious and more costly to take care of than if they had gotten medical care sooner. Having private health insurance opens up your choices and makes decisions about your health much easier to make.

Health Insurance Coverage

Health insurance is meant to cover a variety of medical expenses. The following are covered under many policies, but since every policy is different, be sure to check with your health insurance agent or financial planner to see exactly what yours does and does not cover.

  1. Physician Visits

  2. Hospitalizations

  3. Surgeries

  4. Physical Therapy, Occupational Therapy, Speech Therapy

  5. Prescription Drugs

  6. Preventative Health Care

  7. Laboratory Tests

  8. Mental Health

  9. Certain Medical Equipment

  10. Rehabilitation Costs

  11. Dental Care

  12. Vision Care

Individual & Family Health Insurance Plans

If you are in the market for health insurance to protect you and your family, you should know that you can get health insurance in a number of different ways.

  1. Individual Health Insurance is often used by people who do not have the option of group coverage. It allows for a tailor-made policy that fits exactly what the person needs. This type of insurance is usually relatively inexpensive compared to a group plan. The cost of an individual health insurance plan will typically be about half the cost of a group health insurance plan for the same benefit amount.

  2. Group Health Insurance From An Employer is a much more affordable type of health insurance only when your employer will pay for most or all of the premium (which many employers will do). Because premiums are based on the group as a whole, the risk is spread out over many people. These policies are often the most expensive and the most popular type of private health coverage. One of the benefits to group health insurance coverage is that one cannot typically be denied coverage due to pre existing conditions or other health problems. There may sometimes be a waiting period if one has not maintained continuous coverage but everyone will be accepted.

  3. Group Health Insurance From A Non Employer Group is another option to consider for obtaining health coverage. For those who have no policy available through work or an inadequate one, group rates can be obtained from church groups, professional and business associations such as a Chamber of Commerce. This can help you obtain health insurance if you are unable to obtain an individual health insurance policy due to your health.

  4. Student Health Insurance is usually either a temporary health insurance plan offered through the university or college and may sometimes be available through a private insurance company.

  5. Short Term Health Insurance is a plan that as it’s name implies only offers coverage for a short amount of time, usually anywhere from 1 month to 1 year (although some short term plans offer coverage up to 3 years). Although short term health insurance plans are typically very cheap; they are also typically very bare bones coverage and should never be relied upon as a long term solution to finding affordable health insurance coverage.

Health Insurance Options And Alternatives: COBRA And HIPAA

If you are in the unfortunate situation of no longer qualifying for group health insurance through your employer or former employer due to a change in your employment status or other reasons, then you need to learn about your options. The federal government has a program, called COBRA or Consolidated Omnibus Budget Reconciliation Act, that allows you to extend your health insurance coverage, by paying the individual and employer portions of the premium, for 18 months or more after your disqualification. It is important to always maintain continuous coverage because your eligibility for COBRA will be affected.

Once you exhaust your COBRA coverage (you should only accept your employer's COBRA offer if you cannot qualify for cheaper individual health insurance on your own) then you have some choices to make. If you are not healthy enough to be accepted onto an individual health insurance plan then the Federal Government has another program in place to take care of you and anyone else who has maintained continuous health insurance coverage and for reasons beyond their control are not able to keep their health insurance coverage (for example, your COBRA plan is about to expire).

The HIPAA laws are designed for just this situation. The Health Insurance Portability and Accountability Act (HIPAA) provides a way for individuals that have maintained continuous health insurance coverage to get a guaranteed issue individual health insurance plan without being denied for coverage or having their pre existing conditions excluded from coverage.

How Will Health Care Reform Affect You?

Find out in our new Health Care Reform section.

  • See when each change comes into effect.
  • Learn how your coverage may change.
  • Get the facts so you can ignore the spin.

Types Of Health Insurance Plans

When choosing health insurance that fits your needs, it is important to thoroughly understand the options that you have. There are 4 main types of coverage on the market today.

Fee-For-Service - the traditional health insurance that reimburses you for a portion of your medical expenses.

HMO / Health Maintenance Organizations - this type gives you coverage if you use their doctors and hospitals. If not, you pay out-of-pocket.

PPO / Preferred Provider Organization - this is a more comprehensive plan that allows you to use in-network or out-of-network health care providers. Your coverage is much better if you use the PPO's caregivers than if you choose your own.

POS / Point of Service - requires you to have a primary care doctor and do referrals through him or her like the HMO, but it will pay a portion of out-of-network provider costs like a PPO does, should you choose to go that route.

How To Choose The Best Health Insurance Company

Before choosing a health insurance policy, it is important to research the company offering the coverage. Many states offer report cards on HMOs and PPOs. This will give you a good overview of the company's performance. You can also check on their ratings for stability with one of the insurance ratings companies, like A.M. Best, Standard and Poor's, or Moody's. This rating will give you a good idea of their financial stability and whether they should be able to meet future obligations.

When making your final decision and if you are comfortable with the companies you are considering and the type of policy you want to take out, make sure to still compare the coverage being offered by each. Even if you are comparing two PPOs or two POS policies, check not just the premium being charged for each, but the deductibles, co-pays, out-of-pocket maximums, exclusions and other conditions. It is important to be thorough in your examination of health insurance options before making that final decision.

How To Find Cheap Health Insurance

There are a number of ways to save money on your health benefits and find a low cost health insurance plan. One of the single biggest things that you can do is to join your employers group health plan ONLY if your employer will pay all or most of your premiums for you. If your employer does not offer a group health plan, will not pay for benefits for you, or will only pay for benefits for you but will not pay for benefits for your spouse or children then you need to investigate into individual health insurance.

Insurance is regulated at the State and not Federal level and so some things differ from State to State but in the great majority of States individual health insurance will be much cheaper than group health insurance. For a similar plan from even the same company an individual plan will be about 1/3 to 1/2 the cost of a group plan. Choose an individual health plan to find the cheapest health insurance coverage for the best value.

Another way to find cheap health benefits is to purchase a High Deductible Health Plan (HDHP) coupled with a Health Savings Account (HSA). HSA's have much lower premiums than traditional copay health insurance plans and they allow for some very nice tax benefits. All of the money that you contribute into an HSA you will be able to take as an above the line tax deduction (up to annual IRS limits), the money in the account grows tax free and rolls over from year to year, and the money comes out tax free as long as you use the money to pay for qualified medical expenses (and you can even use the money for anything you like without penalty once you reach the age of 65).