Did You Know?

There are alot of factors that should go into choosing the right plan that you may not know about.

10 Things You Should Know

Here are the top ten things you should know about policies before you compare rates.

  1. You can afford a policy. Health care is expensive, but your policy doesn't have to be. As with most purchases, you can find a good deal by shopping around for a policy. Compare health insurance rates on our site to do all your comparison shopping at once.
  2. The cheapest policy is not always the best option. Lower premiums are usually a trade-off with flexibility or out-of-pocket costs, so make sure you consider all factors.
  3. The more risk you are willing to absorb, the lower your premium will be. If you are looking for the lowest premium when you compare policies, consider increasing your deductibles or out-of-pocket costs.
  4. People with policies live longer, happier lives. Repeated studies have shown that the uninsured die sooner and enjoy a lower quality of life than people with insurance. The uninsured also do not have the access to preventive care that those with coverage do.
  5. Almost a third of people file for bankruptcy because of medical costs. Without coverage, medical costs can quickly become overwhelming and cause financial disaster.
  6. You do not have to have coverage through your employer. If you are self-employed or dissatisfied with the plan of your current employer, you can compare premiums on individual plans.
  7. You can get an inexpensive policy that covers only catastrophic illness/injury. When you compare premiums, you can find an inexpensive, minimal policy that will cover only catastrophic illnesses or injuries to reduce your premiums.
  8. You can save substantially by staying in-network. Your out-of-pocket costs may be reduced or eliminated by visiting the hospitals and doctors that are in your insurer's provider network.
  9. You don't have to have a managed care plan. If you don't want to deal with HMOs or managed care, we also offer indemnity plans, which give you more flexibility and choice in your care.
  10. Prescription drug coverage varies widely by policy. Some policies offer prescription coverage with a minimal co-pay, while others won't cover prescriptions costs at all. Carefully review your quotes when you compare rates to see what kind of coverage your prospective policies offer.

Guidelines to Know

A handy, dandy guide to helping you make the right decision.

Using these ten tips you should be well on your way to being able to choose the correct health insurance policy for yourself. Remember that these ten tips are basic tips and not designed to be a step by step guide you should follow on your way to finding a health insurance plan to fit your needs. Use these tips as guidelines but ultimately finding the right policy is up to you and no one else.

Know This About Health Insurance
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Plans

There are various types of health insurance plans. It is imporatn that you know what they are so you can choose the right one.

PPOs

PPOs are a popular plan
in today's age. It provides
most of the benefits of
HMOs, but also offers a little more flexiblity.
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Contact Health Insurance Rate if you have any questions, comments or concerns for us.

Expensive Bills

Medical bills can be
ridiculously expensive
in today's age. Health insurance can help you avoid some of the expensive bills that comes with health care.
The Right Plan

In order to choose the right health insurance plan you must first understand what the health insurance plans are.