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Why Is Health Insurance So Expensive

January 3, 2019 - voltus - Insurance - 182 views



Why Is Health Insurance So Expensive

Why Is Health Insurance So Expensive. How to Get Inexpensive Health Insurance?

Looking to buy health insurance? Want to know how to get inexpensive health insurance with a reliable company? Here’s how …

Types of Health Insurance

There are four basic types of health plans:

Indemnity Plans – These plans let you choose your own doctor, and it pays all of your medical bills up to a specified daily amount for a specified number of days.

Indemnity plans are the most flexible health care plans, but they are the most expensive plans and they involve the most paperwork.

HMOs (Health Maintenance Organizations) – With these plans you pay a  monthly premium to join a network of physicians and hospitals. You must choose a primary care physician within the network who oversees your medical care.

HMOs are the most restrictive of all the health insurance plans, but they’re also the cheapest plans. Co-payments are either very low ($5 to $10) or are free.

PPOs (Preferred Provider Organizations) – With these plans you also pay a monthly premium to join a network of physicians and hospitals. You can choose to see whatever doctor you prefer, but if he or she is not part of the network you’ll need to pay an extra fee.

PPOs cost a little more than HMOs, but a lot of people prefer them because they are less restrictive. Co-payments average $5 to $10.

PoS (Point of Service plans) – These plans are a combination of HMOs and PoSs. You must choose a primary care physician to oversee your healthcare treatment, but you can see a non-network physician without having to pay extra fees if your primary care physician refers you to him.

POS plans cost a little more the PPOs and HMOs, but are more flexible. Co-payments are about the same as for HMOs and PPOs.

Which Plan is Best?

In order to determine which health insurance plan will best meet your needs, you need to find out the following:

* Does the plan cover the services which you need?

* What co-pays, deductibles, and coinsurances does the plan have?

* How much freedom do you have in choosing your own physician?

* What and when is the waiting period for pre-existing conditions?

Inexpensive Health Insurance

In order to get the best rates on health insurance you need to comparison shop. Thanks to the Internet, you don’t have to spend hours on end calling local insurance companies or surfing single-company websites to get quotes. Now you can go to an insurance comparison website, fill our a simple questionnaire, and get quotes from multiple companies. The best comparison sites only deal with A-rated companies so you know the company you choose will be reliable and will give you good service. Theses sites also have an insurance expert on hand to answer any insurance questions you may have. (See link below.)      

Why Is Health Insurance So Expensive

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