Hi, my name is Brian Stevens. I am former insurance agent and a financial consultant and I am going to show you how to get an affordable health insurance quote if you are self employ.
The first thing you need to do is figure out what type of plan would best suit your needs. There are four basic types’ plans to consider. Fee-For-Service plans also known as indemnity plans are the most expensive health insurance plans and involve the most paperwork. With this plans you can choose your own doctor and your own hospital. Deductible average is $500.00 to a thousand dollars and you will be responsible for 20% of the bill.
HMOs or health maintenance organizations are the least expensive and a least flexible health insurance plans. HMOs provide you with a network of doctors which you must use. You be required to pay a small co-payment usually $5.00 to $15.00 for each doctor visit and you need permission from your plans primary care physician to see an in network specialist.
PPO or preferred provider organizations cost slightly more than HMOs, but they more flexible. Co-payments are about the same as an HMO and you allowed to see a network specialist without your primary physician’s permission. If you see a non-network specialist you may have to pay the entire bill, pay the difference between network charges and what are the special charges or pay a deductible.
Point of service plans cost more than PPOs and less then fee for service plans and are a meld of the two plans. These plans provide with a network of physicians who will treat you. Your co-payment is about the same as that of a PPO which you can see in non-network physician and the plan will reimburse him or her.
In the good all the days prior to the internet, you can spend half your life visiting local insurance companies or calling agents on the phone with your health insurance quotes. Now thanks to the internet, getting quotes is a piece of cake.
The best way to get an affordable health insurance quote is to comparison shop and the easiest way to do that is to get quotes from an insurance comparison website. It is quick. It is easy and it is free.
Visit lowerratequotes.com to get affordable health insurance quotes from top rated companies and see how much you can save. You can get more tips and advice in their article section and get answers to your questions plus get tips on how to lower your premium from an insurance expert by using their online chat service. Just enter lowerratequotes.com into your internet browser or if you are in youtube or MediCafe, click on the lowerratequotes link to the right or the bottom of this video.
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