dcsimg

Choosing the best health insurance just got easy

We've done extensive research to provide you with the best options for health insurance.

All you need to do is choose the option that suits you best. The information you provide us with will be kept strictly confidential.
Get started >>>

Find affordable health care coverage.


Are you looking for Medicare quotes?

Yes No

Top Health Insurance Companies

: Blue Cross, Aetna, & United Health Plans From $8.95/Week!
 
Find Virginia Obamacare Plans & Save Money
 
Compare Medical Bill Sharing Plans in Virginia

Compare Insurance Quotes Now!

What is health insurance?

Health insurance is essentially a contract (called a policy) between an insurance company and the policy holder that lays out promises from the insurance company to pay for medical expenses incurred by the insured.

Health insurance can work a number of different ways. Some types of policies require that medical expenses first be paid for by the insured and then those medical expenses submitted to the insurance company in the form of a health insurance claim to then be paid by back via a reimbursement. Indemnity health insurance plans typically use this form of reimbursement model and are usually not looked upon as favorably as other more popular types of health insurance like PPO, HMO, and POS models of health insurance.

PPO, HMO, and POS health insurance plans function differently than indemnity health insurance plans in that the insurance company contracts with various doctors, hospitals, and other health care providers to arrange a pre-negotiated lower rate for medical care for their health insurance plan members. This way the insured typically does not have to pay for medical care up front like with an indemnity plan but rather the bill for medical expenses is first sent to the insurance company to receive the lower negotiated rate.

Having health insurance is extremely important when you consider that most type of medical care can be very expensive. Surgery, cancer, and even a broken bone can cost thousands of dollars. Health insurance is there to protect against the insured having to be responsible to pay large and unexpected medical bills. Rather, the responsible thing to do is to get and keep health insurance so that one can simply pay monthly payments and safeguard against a large bill that could potentially spell financial disaster.

Choose a health insurance company that is large and well known. Work with an independent health insurance agent to find a plan that has comprehensive major medical coverage and will meet your specific needs.

Use our free health insurance comparison tool to compare quotes from top local health insurance providers so that you can find the best deal for the health insurance that you need.

Enter your zip code into the tool at the top of the page and get started today!