Where to Get a Discount Health Insurance Plan

Looking for a discount health insurance plan with a reliable company? Here’s where to find one.

State Sponsored Health Insurance Plans

The first place to go to find a discount health insurance plan is your state’s insurance department website. Most states have low-cost and no-cost plans for low income individuals and families, children whose parents cannot afford health insurance, pregnant women, and the elderly.

To find out if you qualify for a state-sponsored health insurance program, visit your state’s department of insurance website by doing an Internet search for “(your state’s name here) department of insurance.”

Private Health Insurance Plans

There are four types of private health insurance plans:

HMOs (Health Maintenance Organizations) are the cheapest plans because you are assigned to a network of hospitals and doctors you must use for your medical care. With these plans you pay a monthly premium plus a $5 to $10 co-payment for each doctor visit.

PPOs (Preferred Provider Organizations) and POSs (Point-of-Service plans) cost slightly more than HMOs, because although you’re assigned to a network of doctors and hospitals you can use a non-network doctor or hospital for an additional fee. With a PPO you pay your medical expenses when services are rendered. With a POS you pay a monthly premium and an $5 to $10 co-payment for each doctor visit.

Indemnity, or Fee-For-Service plans, are by far the most expensive health insurance plan because you can use the hospital and doctor of your choice. You pay a monthly premium for the plan, and a deductible of usually $500 to $2,000 before your insurer will pay your medical bills.

Where to Get a Discount Health Insurance Plan

The easiest way to get a discount health insurance plan is to go to an insurance comparison website where you can get rate quotes from a number of insurance companies then compare rates and choose the cheapest one.

Visit or click on the following link to get discount health insurance plan quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on how to get discount health insurance plan quotes.

Free Instant Online Health Insurance Quotes – Where to Get the Cheapest

Free instant online health insurance quotes are easier to find than you might realize – and can be cheaper than you think.

End the Frustration Now

Looking for health insurance can be frustrating and time-consuming. Every policy you find costs too much and offers too little coverage. But there’s hope.

To help you find the cheapest rates possible, turn to an insurance comparison website. Here, you’ll be able to get quotes from multiple companies instantly, making it easy to compare them and choose the best one for you.

You can find quotes for all types of health policies:

* Major Medical plans

* Catastrophic high deductible policies

* HMO, PPO, and POS plans

* Traditional indemnity coverage

* Short term policies

* Specific Illness plans

Is It Safe?

You may be concerned than instant online policies offer less coverage than traditional policies or that purchasing online insurance leaves your personal information vulnerable to theft. Actually, just the opposite is true.

The quotes you receive from an insurance comparison website come only from pre-approved, A-rated insurance companies and are the same quotes you could buy from an insurance agent – you just get them faster.

In addition, insurance comparison websites use state-of-the-art technology to keep your personal information private and secure.

What If I Have Questions?

You may also worry that you will miss the personal service of an insurance agent available to help you make decisions about your health care coverage. Again, insurance comparison websites have considered your needs for personal help.

The best of these websites have insurance experts on hand to talk with you, answer your questions, and guide you through the process of choosing the best policy. And even better – since these professionals do not receive any commission, they are not biased toward a policy that may not be the best choice for you.

Where Can I Get a Cheap Quote?

Visit or click on the following link to get free instant online health insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on free instant online health insurance quotes.

Avail Your European Health Insurance Card Today!!!

As they say Health is Wealth, thus it is always preferable to insure your health for uncertainties. Today when life is uncertain and you just dont know what will happen to you the very next minute, insuring your life and health is completely advisable. For those who reside in UK and are frequent travelers to European countries, The European Health Insurance Card UK (EHIC) is a must have item. This card allows you to receive either free or discounted health care in countries which are listed under the European Union. In short this card will avail you the same treatment as a local resident of the country you are planning to visit during your vacations. This card is a substitute for E111 Form since January 2006.

Do keep in mind that there are certain rules for you to adhere by before you apply for your EHIC Card. To know everything about it you can visit the government website and read the frequently asked questions.

Who can avail the benefits of EHIC?
Residents of following given countries can apply for an EHIC card and enjoy the benefits:

Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Republic of Ireland, Italy, Latvia, Leichtenstein, Lithuania, Luxemburg, Malta, The Netherlands, Norway, Poland Portugal, Romania, Slovenia, Slovakia, Switzerland, Spain, Sweden and the UK.

Applying for an EHIC
-Now you can apply for your EHIC card online, without any hurdles and delay.
-For those who want to renew their card, can do so six months prior the expiry date.
-Once availed, it is valid for five years.
-Please keep in mind that your EHIC is not an alternative to travel insurance.
-It does not cover lost or stolen property, nor does it helps you with flight related problem. For all this you need travel insurance.
-An EHIC covers only state-provided emergency treatment.
-Yes, most of the accidents are covered under EHIC but you are not permitted to go to abroad to use the card to specifically receive the medical treatment.

Though one can get his EHIC card from post office for free, but many online websites these days promise you to provide with extra benefits if an EHIC is applied with them. These companies will charge you with some fees for providing add- on services. So if you are planning to explore Europe during your next vacations make sure to apply for your EHIC, to make your visit tension free and secure.

Health Insurance Policies – How to Get the Best Plan at the Best Price

In the market for health insurance? Want to know how to get the best policy at the best price? Here’s how …

Best Policies

The best health insurance policy is the one that gives you the coverage you want at a price you can afford. The most popular health insurance plans are:

1. HMOs (health maintenance organizations) – With an HMO your receive health care from a specific network of doctors and hospitals. The HMO pays for your doctor bills, hospital fees, and prescriptions, and you pay a co-payment (usually $5 to $15) for each doctor visit.

You must choose a network primary care physician who will be responsible for overseeing your health care and referring you to specialists when needed. Visits to doctors outside the network are not covered.

HMOs are the least expensive comprehensive health care plan and involve the least amount of paperwork.

2. PPOs (preferred provicer organizations) – With a PPO you also receive your health care from a network of doctors and hospitals, but you don’t need to choose a primary health care physician and you don’t need to get a referral to see a non-network doctor. However, you’ll pay extra to see a non-network doctor.

PPOs are more expensive than HMOs because they are more flexible.

3. POSs (point of service plans) – These plans are similar to HMOs, but you may use non-network doctors by paying a higher co-payment and a deductible.

POSs are cheaper than PPOs, but more expensive than HMOs.

Best Companies

There are three websites where you can check out insurance companies:

The A.M. Best website (ambest.com) – This website lists a company’s financial status and is a good site to use to determine their financial stability and their ability to pay claims.

J.D. Power & Associates website (jdower.com) – This website provides customer satisfaction ratings and is a good site to use to see how well a company treats its customers and how well they pay their claims.

Your state’s department of insurance website – All states maintain a department of insurance website, and most states provide a list of complaints filed against insurance companies so you can see if a company has had more than its share.

Best Rates

To get the best rate you’ll need to do a little comparison shopping. The easiest way to do it is to go to an insurance comparison website.

Visit or click on the following link to get health insurance policy quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on health insurance policies.

Where to Get Inexpensive Texas Family Health Insurance

Twenty-five percent of Texans do not have health insurance and are risking financial ruin because even minor illnesses like appendicitis can cost thousands of dollars. Here’s how to get inexpensive Texas family health insurance so and your family will be protected.

Government-Sponsored Health Insurance Options

Texans have a number of options when it comes to government health insurance programs:

* Medicaid is a state and federal program that provides health insurance coverage for low-income families, people with disabilities, pregnant women, and elderly people who cannot afford private health insurance.

* CHIP, The Children’s Health Insurance Program, provides health insurance to families who earn too much money to be eligible for Medicaid, but cannot afford private insurance coverage for their children.

For more information on government-sponsored health insurance, visit the Texas Health and Human Services Commission website at: hhsc.state.tx.us.

Private Health Insurance Options

Private health insurance options for families living in Texas include:

* Indemnity plans, which pay for comprehensive health care – doctor visits, hospital and surgical fees, plus prescription drugs. These plans allow you to use the doctors and hospitals of your choice. You must pay a deductible ($500 to $2,000) before your insurance company will pay for a percentage of your medical expenses, usually 80%. Indemnity plans are the most expensive health insurance plans.

* Managed health care plans such as HMOs and PPOs, which also pay for doctor vistits, hospital and surgical fees, plus prescription drugs. Unlike indemnity plans, you are assigned to a group of doctors and hospitals, and can only use a doctor or hospital of your choosing by paying an extra fee. Managed health care plans are much cheaper than indemnity plans.

Inexpensive Texas Family Health Insurance

If you don’t qualify for government sponsored health insurance, you can get inexpensive health insurance by going to an insurance comparison website. There you can get quotes from a number of health insurance companies so you can compare them and choose the least expensive plan (see link below).

Visit or click on the following link to get Texas family health insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on Texas family health insurance.