Health Insurance

Health Insurance

Health Insurance

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Health Insurance

Get an online health insurance quote today from multiple health insurance companies, all in one place.

If you’re looking for the cheapest health insurance you can get, it’s essential to shop around and compare quotes. You may find that your current insurer is cheapest, but that can change, so check roughly once a year.

No matter who your insurer is, we can help you save on your insurance policy.

 

What is Health Insurance?

If something unexpected happens to you – like a car accident or a serious illness – hospital expenses can quickly rack up. Health insurance can help prevent staggering expenses if you face a medical emergency. Major medical insurance is a type of coverage that provides benefits for a broad range of health-care services, both inpatient and outpatient. This health insurance can save you money on routine doctor's visits, prescription drug coverage, preventative care and other medical services

Good health is your most precious asset and should be protected at all costs. While our American healthcare and healthcare insurance systems are in the midst of a massive overhaul, the value of health insurance cannot be overstated.

Being without health insurance can result in delayed treatment and hundreds of thousands of dollars of expense, even bankruptcy, in the event of an accident, a deadly illness, or at the development of a chronic condition. Protect yourself and your family by being an informed purchaser of health insurance that fits your particular needs.

Reasons you may need health insurance:

Health insurance covers medical expenses for illnesses, injuries and conditions. But, unlike a plan through an employer, individual health insurance is something you select and pay for on your own. So, what’s health insurance for and why do you need it?

  • Because accidents or health problems can happen at any time

  • Medical expenses can be high—they’re the number one cause of bankruptcy

  • To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies

  • To pay and keep track of medical payments quickly and easily

  • To safeguard your way of life and your family’s physical and financial well being

How can I budget for health insurance?

Determining how much you can spend on healthcare for you and your family is an important step to getting the right coverage.

Figure your known costs. Sort through your health-related expenses each year. Some key parts of your annual expenses will be health insurance premiums, dental exams, eye exams, prescription drugs, and medical doctor visits.

Ask your dentist, eye doctor, and medical doctor how often you should schedule check-ups. Based on your health insurance, you may have to pay for part of the visit fees and for any tests you have undergone. You will need to consider co-payments, coinsurance, and deductibles. Add those amounts to your health insurance premium.

Include your medicine costs. Don’t forget to include the cost of any regular prescription drugs, over-the-counter drugs, and vitamins you take regularly. Check with your health plan to see what part of the prescription drug expense they pay.

Remember your family members' costs, too. Repeat the last two steps above for everyone covered by your health plan.

Total your fixed costs. You now have an estimated annual total healthcare cost to assist in planning. You can divide the total by 12, and you will have an estimated monthly fixed cost of healthcare.

Save for the unexpected. You will have more challenges figuring out unplanned “surprise” costs. These expenses might include visits to the doctor for an illness or injury, medications to help with any illnesses, unplanned hospital stays or operations, and emergency room visits.

 
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How to buy health insurance

Health insurance isn’t a purchase you make often, so you may not know where to start or how to get health insurance quotes.

Health insurance is necessary for Americans to pay for the high cost of health care. You need it unless you are very wealthy, over 65, or very poor. The very wealthy can afford the cost of even extraordinary emergency or chronic medical care. Those over 65 have paid into Medicare. The very poor can qualify for Medicaid.

Everyone else must either purchase health insurance or risk medical bankruptcy. Since it is so common, many people have lost sight of its underlying purpose. It's just like insurance for your car, home, or apartment. It's supposed to protect your life savings from the devastating costs of a major accident, medical emergency, or a chronic disease.

But, unlike other insurance, health insurance makes it possible for you to get that health care when you need it. If you don't have car insurance, you can take the bus until you can afford to get your car fixed. If you break your leg, you can’t splint it yourself until you save up enough to go to the doctor.

Breaking Down Health Insurance

Health insurance can be tricky to navigate. Managed care insurance plans require policyholders to receive care from a network of designated health care providers for the highest level of coverage. If patients seek care outside the network, they must pay a higher percentage of the cost. In some cases, the insurance company may even refuse payment outright for services obtained out of network. Many managed care plans require patients to choose a primary care physician who oversees the patient's care and makes recommendations about treatment. Insurance companies may also deny coverage for services that were obtained without pre-authorization. In addition, insurers may refuse payment for name brand drugs if a generic version or comparable medication is available at a lower cost.

Insurance plans with higher out-of-pocket costs generally have smaller monthly premiums than plans with low deductibles. When shopping for plans, individuals must weigh the benefits of lower monthly costs against the potential risk of large out-of-pocket expenses in the case of a major illness or accident. Health insurance has many cousins, such as disability insurance, critical (catastrophic) illness insurance, and long term care insurance.

 
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Our insurance experts don’t just give you quotes – you’ll get real, live rates that you can compare side by side. You can also see offers from different carriers, edit coverage details for more tailored results, and buy your policy online or over the phone.