How to Get Affordable Family Health Insurance

Hi, my name is Bryan Stevens I am a former Insurance agent and financial consultant and I want to show how to get affordable family health insurance. The two most common family health insurance plans are HMO’s or Health Maintenance Organizations and PPO’s Preferred Provider Organizations. With an HMO you are assigned to a network of healthcare providers whom you must see for all your healthcare needs. They are usually no deductibles that seem you pay before your insurer pays a claim. In co payments are around $5 to $10 per visit. You are also assigned to primary care physician who over sees your healths care and if you need to see a specialist you need to get permission from him or her. HMOs are the most restrictive but the least expensive of the family health insurance plans. PPO is also assigned you to a health care network but allow you to see non network physicians by paying an extra fee. Some PPO’s have deductible of $500 to $2000 in co payments average $5 to $10. PPO’s are the least restrictive but the most expensive of the family health insurance plans. So which plan is best? If you want a plan with a least amount of paperwork, the cheap is premiums and the cheapest out of pocket expenses then an HMO is what you are looking for. If you want to be able to use a doctor of your choice or you have a chronic conditions such as asthma or arthritis then a PPO is your best choice.

In order to get the most affordable family health insurance plan you need to compare rates. The easiest way to do this is to go to an insurance comparison website where you can get rates from a number of different companies. On the best comparison sites you can get answers to all your health insurance questions online or by phone from insurance professionals. The best way to get affordable family health insurance 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 health insurance quotes from top rated companies and see how much you can save. You can get more insurance tips on their article section and get answers to your questions plus get advice on how to lower your premium from an insurance experts by using their online chat service. Just enter LowerRateQuotes.com in your internet browser or if you are youtube or meta café you can click on the LowerRateQuotes link to the right of the bottom of this video.


Transcription by: Scribe4you Transcription Services