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How To Buy Health Insurance

How To Buy Health Insurance

If you don’t currently have a health insurance policy, then we can get you quotes with every reputable medical insurance company in the United States. Every Choice Health Insurance also offers health insurance quotes with every type of individual, family, and group health insurance plan, from the new Health Savings Account plans (HSAs) to the more traditional HMO, PPO and POS plans. We stay abreast of the latest developments in health insurance and offer the newest individual health insurance companies and plans to the individual and group health insurance market.

To begin the process of purchasing a plan, we recommend filling out our quote page to see which health insurance plans are available in your part of the country, and what new plans are in your price range. Just click on any of our health insurance quotes buttons or links and you will instantly see all of the major health insurance companies in your state. You are also welcome to call our licensed agents, who are trained to help you find a plan, or tell you what to do next if you qualify for government assistance.

Additionally, if you are frustrated by Medicaid or a County Health Plan, our agents are equipped to help you sort through the Government Aid programs available in your state.

 

How to Select a Plan

If you have a choice of plans through your employer or you are purchasing your own coverage, it’s important to understand your choices and pick the plan that is right for you and your family. There are several questions to ask when reviewing health insurance plan options:

  • How affordable is the cost of care?
  • How much are monthly health insurance premiums?
  • How much are the deductibles?
  • Are the co-payments or co-insurance flat fees or percentages of service fees?
  • What out-of-pocket expenses have to be paid before the plan begins reimbursement?
  • How does the reimbursement process work?
  • What is the cost of out-of-network care?

Does the plan cover the services that I may use? For example:

  • Doctors, hospitals, laboratories and other health insurance network professionals
  • Out-of-network care
  • Treatments for pre-existing medical conditions or chronic conditions
  • Prescription drugs

What is the quality of the health insurance plan? Research factors of the plan such as:

  • Ratings of the plan by independent government and non-government organizations
  • Accreditation from groups like the National Committee for Quality Assurance (NCQA) or the Joint Commission on Accreditation of Healthcare Organizations (JCAHO)
  • Patient complaints
  • Member drop-out rates for the plan
  • Other patient experiences with the plan
  • Doctor experiences with the plan

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