Looking for health insurance? Want to know where to get the best individual health insurance quote online? Here’s how …
Individual Health Insurance Plans
The first step in getting the best individual health insurance quote is to have a basic understanding of each plan so you can make an informed decision about which is right for you. Here are the pros and cons of the most popular plans:
HMO (Health Maintenance Organization)
This plan sets you up with a network of health care providers which you must use when you’re ill.
Pros – This is the cheapest plan with the least amount of paperwork. Copayments are cheap, usually $5 to $15 per doctor visit.
Cons – You can only see doctors within your network, and you must first visit your designated primary physician who will either treat you or refer you to a specialist.
PPO (Preferred Provider Organization)
This plan also sets you up with a network of health care providers.
Pros – You may see a specialist within your network without getting permission from your primary physician and you may see physicians outside your network by paying a fee.
Cons – Costs slightly more than an HMO. If you see a non-network doctor you may have to pay a deductible or pay the difference between the network doctor’s fee and the non-network doctor’s fee.
