Brian Stevens: Hi, my name is Brian Stevens, I am a former Insurance Agent and Financial Consultant and I am going to show you where to get cheap Mississippi health insurance.
Mississippi provides two state programs for low income families and individuals. The first is CHIP, the Children's Health Insurance Program. This provides health insurance for Mississippi children up to age 19, whose family income is less than two times the federal poverty level, and who do not qualify for Medicaid.
And second Medicaid, which provides health insurance for low-income and disabled Mississippi residents. To find out if you qualify for either of these programs, visit the Mississippi Medicaid website at www.dom.state.ms.us.
If you don't qualify for low-income Mississippi health insurance, you have a variety of private health insurance plans available to you. HMOs or Health Maintenance Organizations are the cheapest health insurance plans because you are assigned to a network of physicians and hospitals that you must use for your medical care. HMOs charge you a set monthly fee, and you must pay a co-payment usually $5 to $10 when you see a physician.
PPOs or Preferred Provider Organizations are similar to HMOs, but cost slightly more because they allow you to see a non-network physician for an additional fee. PPOs charge you for services as they are rendered, and you pay a $5 to $10 co-payment when you see a physician.
POSs or Point of Service Plans are a combination of an HMO and a PPO, and cost slightly more than either plan. Like an HMO, you pay only a nominal fee for health care provided within the network, but like a PPO, you have the advantage of seeing non-network physicians for an additional fee.
And the finally the standard Indemnity Plans are the most expensive health insurance plans, but give you the most flexibility because you can use physicians and hospitals of your choice. Your doctors sends your bill to the insurance company who pays most of it. You usually have a deductible and you are responsible for a portion of the bill, usually 20%.
The best way to get cheap Mississippi health insurance is to comparison shop and easiest way to do that is to be get quotes from an insurance comparison website. It's quick, it's easy and it's 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 in their article section and get answers to your questions plus get advice on how to lower your premium from an insurance expert by using their online chat service. To visit this site, just enter lowerratequotes.com in your internet browser.
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