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SpinDistribute.com Article Directory

The following article was published in our article directory on December 10, 2009.
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Getting Low Cost Deals on Individual and Family Health Insurance Plans

Article Category: Family Concerns

What are the keys to getting the best cheap health insurance plan? There is no way to guage how essential it is to do you homework, and in this article I'll try to provide some assistance with that particular obligation. You might think that health insurance is the same, but the devil is in the details and grasping the details may save you a significant amount of money.

When you invest in health insurance, just as will all insurance, you are providing the insurance company a monthly fee (called the premium) to take care of the risk of your need for health care coverage. Thegreater the risk the company assumes, the greater the premium. However, you, as a consumer, must understand what you are paying for. you also have to be your own watchdog to some degree and pay attention that you get what you pay for. At its most fundamental level, health insurance is the assumption of risk by the company.

Health insurance can assume a variety of appearances. For example, there is disease insurance, accidental death and dismemberment insurance, catastrophic health coverage, COBRA insurance, and maternity coverage to name just a few examples. All of these, by the way, are kinds of health insurance. When you search for health insurance you are normally presented with a variety of plans that offer different benefits and and different levels of coverage. Insurance plans are the way the insurance is packaged. The plan is the "bottle" holding the wine, as it were.

The PPO is not as rigid as the HMO plan. PPOs may also be a bit more expensive than HMOs, and that is because PPOs are generally thought to give a higher level of coverage. In PPOs, it is not necessary to have a primary care doctor, and you generally do not need a referral to see a specialist. PPOs have their own network of contracted medical personel but allow you to go out of the network to see doctors of your own choosing. Now, that will be more expensive. That means the company provides a lower level of coverage (payment) and you make up the balance. Before signing up for a PPO, it is necessary that you verify with your doctors and hospitals to determine whether they are in the network or will otherwise file claims and accept payment from that particular insurance company. Major insurance companies such as Aetna and Blue Cross Blue shield, Wellmark Blue Cross, and Humana offer PPO plans as well as HMO variants.

A PFFS plan is still a kind of health plan, but in the private fee for service plan, you go to any doctor or hospital you choose as long as they submit claims to to insurance company and accept payment. In a fee for service plan, your health care providers would bill the insurance company a specific fee for each service provided. What the insurance pays is based on a fee schedule.

When you buy a health insurance plan, the actual cost of the plan is not only the price of the premiums, deductibles, copays and coinsurances. When you figure the true cost, you must also take into consideration the reliablity of the company in living up to their promise of payment for the kinds of services that are essential for you and your family. Thus, a "cheap" plan could end up being more expensive if the company doesn't pay for the costs stipulated in the policy. Unicare, for example, may offer you less expensive health insurance, but if you have to agonize with them over meeting the basic stipulations in the policy, then the insurance would be a dissapointment and the expense to you far greater than you could have imagined.

Keywords: health insurance plans,individual health insurance plans,family health insurance plans,cobra health insurance coverage,low cost health insurance coverage

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