3 Minutes to Cheap Health Insurance
It only takes a couple of minutes with our easy, simple 1-2-3 process form in finding affordable, NO-OBLIGATION, free health insurance quotes specific to your health insurance needs.
- You will instantly be matched with local agents in your area.
- Those agents usually begin running your free health insurance quote immediately and will often provide detailed pricing information within minutes.
- Some quotes are more complicated and may require a little more time to process.
- Regardless, you should always receive your free quotes within 48 hours at the latest.
Do You Need Cheap Health Insurance?
If You Do, Then You’ve Definitely Come to the Right Place…
Finding the right health insurance for your budget and personal needs may feel like a daunting challenge, because a lot of comparison shopping is usually required in order to source out the best deal. If you’re interested in avoiding all of the time-consuming research, legwork and hassle involved with finding good health insurance, you should know that our unique and innovative service will help you to streamline the entire process.
We offer a quick and convenient system that takes the pressure off of your shoulders; we hook you up with every bit of information that you need to make a wise and informed decision about buying health care insurance coverage. When you shop through our intuitive and user-friendly website, you’ll gain access to an array of one hundred percent free health insurance quotes that will allow you to compare policies and prices quickly and effortlessly.
Enjoy Free Health Insurance Quotes in Mere Minutes
Our unique service “matches” you with reputable insurance agents in your own town or city, and then “passes the baton” to these experienced health insurance professionals. Sometimes, it takes mere minutes for these pros to send health insurance quotes on to you; in other cases, it may take a little longer for insurance reps to put together particularly detailed quotations.
As you can see, it’s incredibly easy to accumulate informative quotes via our simple and effective service. You may call our representatives to get started or choose to fill out our convenient online form for instant Web-based service. We offer superior flexibility and great customer care to every client that visits our website; for this reason, we are truly the premier choice for fast health insurance quotes and other information about health insurance plans.
We Offer More than Fast, Free Health Insurance Quotations
While our fast, easy health insurance quotes service is a central facet of our website, we also offer plenty of helpful information about health insurance guidelines and news. If you’re looking for a convenient place to find all of the latest information about health care policies and other related information, you’ll really enjoy browsing our website’s extensive archives.
At our website, our mission is to make things easier for people who need to choose cheap health insurance; after all, we know that there is a lot to think about before signing on the dotted line! We go the extra mile for all visitors to our website, by presenting lots of practical and necessary health insurance data “under one roof”.
Understanding Health Insurance May be Easier than You Think
Getting the gist of American health insurance rules and regulations will be easier when you use our online resources to scan vital details and stipulations. For example, if you’re curious about the different types of health insurance that are available out there in the marketplace, you’ll appreciate our free archives, which contain a host of information about myriad health insurance plans (such as fee-for-service health insurance plans and managed care health insurance plans).
Before you get the free health insurance quotes that you need through our quick and simple system, be sure to browse our archives to find out which type of health insurance policy is exactly right for you. While fee-for-service health insurance is the most common type of medical insurance, it does have some pros and cons, and we’ve outlined all of these in great detail so you can gather all of the facts without browsing a million different websites.
If you’re interested in comparing fee-for-service insurance to managed care health insurance, you’ll be able to get an accurate assessment of these two major health insurance types just by clicking your computer mouse on the selected topics, and then reading our easy-to-understand explanations and descriptions. We take the guesswork out of buying health insurance plans; our mission is to empower our clients by offering them hard facts and convenient services that they may use to select the right practical and affordable health insurance.
Once you know what you want, you’ll be ready to get free health insurance quotes right at our home page.
We’re Keep our Visitors Up-to-date on Healthcare Insurance News
Here at Reallycheaphealthinsurance.com, we spend lots of time collecting news stories and other information related to health care insurance. Our staff keeps abreast of health care industry changes so we can pass on any relevant information to you. We publish articles and blogs that encapsulate trends and news items; then, we use a clear, informative voice to ensure that every reader is able to understand these developments in the health insurance business. For example, we dissect government initiatives (such as the Affordable Health Care Act) to see if the government is actually pushing through its health care insurance agendas and goals.
By keeping our fingers on the pulse of the health care insurance industry and its related government bodies, we offer our clients instant access to important updates that may affect health insurance quotes, health insurance premiums, and health insurance policies.
Don’t Forget to Bookmark Our Website
Really cheap health insurance is not just a pipe dream; it can become a reality as long as you use our services to find affordable quotations for a range of different policies and health insurance types. If you’re just browsing the Web today and beginning to collect information about health insurance, be sure to bookmark our website and to “like” us on Facebook.
Since we’re the best place to find free health insurance quotes on the World Wide Web, it’s important to keep us at your fingertips. Reallycheaphealthinsurance.com is a great place to learn everything that you need to know about choosing affordable health insurance that still gives you the comprehensive protection that you need.
Never Take Chances with Your Health Insurance Policy
These days, unscrupulous insurance companies may try to take advantage of people who are searching for affordable health insurance; shady dealers or smooth operators may try to offer policies that really don’t give men and women adequate coverage in the event of health problems or routine health care costs.
To protect yourself, you need to learn which companies have superior honesty, integrity and accountability. At our website, we never refer clients to the “bad apples”; instead, we offer connections to a range of licensed health insurance agents right in your area. Without our services, it will be all too easy to make a mistake and choose the wrong cheap health insurance provider.
Never take chances when you’re searching for cheap health insurance…always use our website to generate free online quotations for health insurance.
Different Types of Health Insurance Explained
The health insurance market in the United States is both broad and confusing. Understanding the types of coverage available, and educating yourself on their advantages and disadvantages is the first step toward finding a policy that is both affordable and comprehensive.
Individual or Indemnity Health Insurance Plan
Under the terms of an individual indemnity health insurance plan, also known as a “fee-for-service” plan, you may choose your own doctor, hospital, or health care facility. Your insurance company will pay a certain amount of the costs incurred according to a predetermined fee schedule.
The schedule specifies which services (for instance, use of an ambulance), or what medical tests (blood work, for example, or an MRI) are covered. The customer pays a monthly fee or premium, and there is a deductible on the policy. That means the policy holder will have to pay X amount of money out of pocket before the coverage benefits become available. The higher the deductible, the lower the premium.
Annual Limits on Individual Health Policies Being Phased Out
Under the terms of the health care reform law, the 2010 Affordable Care and Patient Protection Act, no health insurance policy issued or renewed on or after September 23, 2010 can include a lifetime limit on benefits. Annual limits on both individual and job-related health insurance are being restricted through a graduated progression:
- Limits of $750,000 are allowed on policies starting on or after September 23, 2010, but before September 23, 2011.
- Limits of $1.25 million on those plans starting on or after September 23, 2011, but before September 23, 2012.
- Limits of $2 million on coverage starting on or after September 23, 2012, but before January 1, 2014.
From January 1, 2014 forward, there will be no annual dollar limits allowed on most benefits covered by health insurance policies.
Basic and Major Medical
There are two categories of fee-for-service or individual indemnity insurance: basic and major medical.
- Basic coverage will pay for things like your hospital room, certain lab tests and x-rays, and any prescription medication.
- Major medical insurance will pick up when your basic insurance has reached its limit. Major medical coverage is used in the case of any long-term illnesses.
The approval process for basic health insurance is easier to navigate, and the premiums are lower, while major medical is more expensive, especially for people with pre-existing conditions.
The Affordable Care Act has already made it illegal to deny coverage to children with pre-existing conditions, however, and the same protection will be extended to adults in 2014. In the meantime, high risk pools are available in each state for people who have been denied coverage.
Health Maintenance Organization (HMO)
A health management organization or HMO is a managed care plan with strict rules. You must choose a doctor within the HMO network to serve as your primary care physician. (Only this doctor can refer you to specialists.) Members don’t have to pay for services up front, and when co-payments are required, they are minimal.
All members pay a small monthly fee used to cover expenses in the plan, but there is an approval process for many procedures and tests. This can be a lengthy matter, especially if you are being referred to a specialist or if you have a pre-existing condition and is often cited as a major source of frustration and dissatisfaction by HMO members policy holders. Also, only hospitals and health care facilities within the HMO may be used, and if you go elsewhere, the expense will not be covered.
Preferred Provider Organization (PPO)
A preferred provider organization or PPO also uses a network of doctors, but you don’t have to choose a primary care physician and you don’t have to obtain a referral to see a specialist. This eliminates excessive waiting periods. The trade-off, however, is higher co-payments when you see a doctor outside of the network of providers. Many consumers are willing to meet this expense, or to risk this expense, in exchange for feeling more in charge of their own health choices.
A PPO is like an indemnity plan in that members must meet a deductible level before their coverage benefits apply. In terms of price, a PPO is the middle ground between expensive fee-for-service plans and inexpensive HMOs, but PPOs are very popular because they offer more flexibility and more independent health care choices for the members.
Point of Service Plan (POS)
A point of service plan shares features with both an HMO and a PPO. There is no deductible, and co-payments are small. A primary care physician must be chosen from a network of member physicians, and referrals are necessary to see a specialist. Only limited coverage is provided for out-of-network doctors, and when you go out of network, a deductible must be met and co-payments apply.
Health Savings Account (HSA)
A health savings account or HSA is used primarily be retirees. It is a tax-free savings account built up by personal contributions before the age of 65 by individuals with qualifying health plans. Contributions can also be made by family members and employers, and the HSA can be used as either an individual or family plan. The money that goes into the account can only be used for medical services. If it is taken out for another reason, a penalty applies.
If the plan is for the individual only, the annual deductible is $1,000 to $5,000. Family plans can have a deductible anywhere from $2,000 to $10,000. There is a cap on all out-of-pocket expenses, as well. Preventive care is not subject to the deductible, nor is long term care. The individual may contribute 100% of the deductible, with an annual maximum being $2,600 for a single person and $5,150 for a family plan. In the event of the death of the individual, the plan will be carried over to the spouse with no taxes applied.
The Affordable Care act altered the existing rules for HSA plans purchased from 2010 forward. For newer plans, preventive care must be covered before the deductible has been met. Also, over-the-counter drugs can no longer be purchased with HSA plans without a prescription. If HSA funds are used for non-medical expenses, the penalty has been increased from 10 to 20 percent.
Choosing the Right Health Insurance
Choosing the right health insurance has always been complicated, but people are more confused than ever in the wake of the passage of the Affordable Care Act. Insurance costs have actually gone up 8-9 percent since the passage of the law, and health care costs continue to climb, increasing eight-fold since 1980. Finding the right combination of low costs and comprehensive coverage can be a difficult decision. It’s imperative to look at all the available options and to compare competitive rate quotes.
Medical debt is a leading cause of personal bankruptcy in the United States, yet more than 50 million Americans still have no coverage whatsoever, a dangerous financial gambit under the best of circumstances, but one that is even more potentially catastrophic after three years of recession and high unemployment. The only way to protect yourself and to make solid health insurance choices is to be pro-active by educating yourself about available plans and what those plans will and will not do for you and your family.