Hi, my name is Bryan Stevens. I am former insurance agent in financial consultant. And I am going to show you how to get a cheap health insurance quote in easy way.
Health care cost are sky high, consequently as so our health insurance rates. So how can you get a cheap health insurance quote? Here is how.
The cheapest health insurance plans are health maintenance organizations. HMOs, Preferred Provider Organizations, PPOs and point of service plans, POSs.
HMOs are the least expensive of the health insurance plans. They provide healthcare through a network of doctors in hospitals. With most plans, you pay a small fee known as a co-payment for each doctor visit. You do not have to fill out a bunch of forms as you would with the traditional plan. And there are no deductibles to pay. When you are ill, you must consult your primary doctor also known as a gate keeper, who either treat or refer you to a specialist. You are not cover if you choice to go to a doctor who is not part of your network.
PPOs cost slightly more than HMOs, I know the most popular health insurance plans because they provide more flexibility than HMOs. They too provide healthcare through a network of health providers. Your co-payment for each doctor’s visit is about the same as HMOs and there are no forms to fill out and no deductibles to pay. There are no gate keepers with the PPOs, so you can see a specialist without first seeing your primary care physician.
POS plan cost more than HMOs and PPOs but they provide the most flexibility of the three health insurance plans. They provide health care through a health provider network. But you also have the option of seeing a doctor of your choice. Co-payments for doctor visits within the network are about the same as they are from HMOs and PPOs, and you will be reimburse up to 80% for you are out of network doctor visits after you pay a deductible.
The best way to get cheap health insurance quotes is to go to an insurance comparison website. Visit LowerRateQuotes.com or if you are on you tube, click on the lower rate quotes length to the right of this video to get cheap health insurance quotes from top rating companies and see how much you can save. You can get more tips and advice in their article section and get answers to your question from an insurance expert by using their online chat service.
Transcription by:
Scribe4you Transcription Services