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Posts Tagged ‘Health Insurance’

Benefits of Health Insurance

Thursday, August 1st, 2013

Health insurance usually allows you to make a payment, or premium every month in order for the company to provide a certain amount of coverage on day to day medical expenses and emergency expenses.

These will vary according to the company, and even the policies within the company. For example, you may choose to have a higher deductable rate in order to keep your premiums down. This lets you have a lower monthly payment. This means that if you do need a particularly expensive procedure; you will have to pay more out of your pocket before the health insurance will cover the rest. Some policies will only cover a certain percent of a given procedure, such as 80%, and you will cover the rest, and others will pay certain things at 100%, but not others. This can be confusing at times.

The reason that so many people are finding it more beneficial to have some form of health insurance, however slight, is due to the vastly increased prices of having procedures done. An office visit to a doctor can average around $100.00 per visit, while specialists may cost several hundred dollars. When you add in any lab work or x-rays, you may be looking at a very expensive medical visit. Hospital stays and surgeries are even more expensive, and can be ruinous for those without insurance. The problem that many uninsured people run into involves the cost of emergency medical procedures.

Most hospitals within the U.S. are required by policy to accept all patients, even if they cannot pay. In the case of emergencies, this is a great policy, as this means everyone gets life-saving treatment. However, those without insurance are statistically likely to have some kind of emergency treatment, even if it just stitches. However, if it involves catastrophic treatment, this means the patient could be in debt for tens of thousands of dollars.

Free Health Insurance Quotes

Thursday, April 9th, 2009

Most people are always on the lookout for ways to save money. The health-insurance industry is one of those places where people tried to skimp as much as possible with the knowledge that if they go too far, they may not have enough coverage to make it worth their while as they pay the monthly premium. The best way to find the best rate for you is to get a quote for your coverage.

In the present world, it is easier to obtain free insurance quotes. All you have to do is log on to the insurance provider’s website and obtain insurance quotes instantly. For instance, you can enter which is a free online resource for health insurance quotes. The advanced tools can help you find individual health plans, group plans, family plans, student plans, senior plans, Medicare plans, and Health Savings Accounts. When you fill out the secure form, GoHealth Insurance will provide you with instant quotes, enable you to view and compare plans online, and connect you with agents licensed with top insurance companies.

Free insurance quotes help individuals to find the best health insurance policy with respect to the requirements of individuals. In addition, individuals can refer to various free insurance quotes before applying for any health insurance plan. They just have to log on to the websites of insurance providing company that offers quotes by filling simple questionnaire forms. By entering basic details, you will be able to receive number of free insurance quotes.

The insurance quotes are available at no cost. Thus, individuals will not have to spend anything to obtain these insurance quotes. The free insurance quotes give users with complete information about the insurance policy such as premium amount, coverage amount, tenure, terms and conditions and its benefits. Individuals are advised to have free insurance quotes to avoid bullying calls from insurance agents.

Before obtaining free health insurance quotes, it is advisable to gather some basic information about the types of health insurance plans such as Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Health Savings Account (HSA) and High Deductible Health Insurance (HDHI). These are some of the different types of health insurance policies.

The next step is to select the appropriate health insurance plan depending on their requirements. The PPO type of plan allows individuals to select their preferred physicians. Moreover, this type of plan has higher premium rates. However, in HMO type of plan, the insurance providing companies hire their own professional doctors for health check up or for treating the insurance holder. The HMO type of health insurance plan comes with low premiums. The HAS type of health insurance policy is among the traditional type of policy, which is generally provided by Governmental insurance companies. This type of plan comes with average premiums and long tenures. In HDHI type of plan, the premiums are lower however with high deductibles.

The first thing is to select the type of insurance plan you wish to have. You may log on to the insurance website. However, it is important to select the reputable insurance website, as reputed websites do not share any of your details with other organizations.

By comparing free insurance quotes, you can select the best quote that fits in your budget. Hence, obtaining a free health insurance quote from reputed insurance websites is not a difficult task.

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