Brian Stevens: Hi my name is Brian Stevens, I'm a former Insurance Agent and financial consultant, and I'm going to show you how to get a Discount Health insurance Plan with the top rated company.
The first place to go out to find a discount health insurance plan, its your states insurance department, most states have low cost and no cost plans for low income individuals, children whose parents cannot afford health insurance, pregnant women and the elderly. To find out if you are qualified for a state sponsored health insurance program, visit your states department of health insurance website.
If you don't qualify for state sponsored health insurance there are 4 basic types of private health insurance plans available. HMOs or (Health Maintenance Organizations) are the cheapest plan because you are assign to a network of hospitals and doctors and you must use for your medical care. With these plans you pay a monthly premium close to $5-10 dollar co-payment for each doctor visit.
PPO (Preferred Provide Organizations) and POSs (Point-of-service plans) cost slightly more than HMOs, because although you are assign to a network of doctors in hospitals you can still use in non network doctor or hospital for an additional fee. With the PPO you pay your medical expenses when services are rendered. With the POS you pay a monthly premium, in a $5-10 co-payment for each Doctor visit. Indemnity plans or (Fee-for service plans) or by far the most expensive health insurance plan, because you can use the hospital and doctor in your choice.
You pay a monthly premium for the plan, and a deductible obviously $500-2,000 before you insurer will pay your medical bills.
The easiest way to get a discount health insurance plan is go to an insurance comparison website, where you can get rate quotes from a number insurance companies then compare rates and choose the cheapest one its quick it's easy and it's free.
Visit LowerRateQuotes.com to get discount health insurance plan quotes form 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, first 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.
Transcription by:
Scribe4you Transcription Services