Health Insurance Plans and Quotes
There are health insurance plans for every need out there. In order to compare the health insurance quotes from different companies, you’ll need to take a closer look at the types of coverage that each plan offers, as well as their limitations.
The U.S. spends over $6,500 per year for each person on health care. Though health care costs have been continually rising, outpacing inflation as much as two-fold, you can still find relatively cheap health insurance plans if you’re willing to do the research and compare quotes.
Which Health Insurance Plans are Available
Choosing the right health insurance plan depends largely on the type of care and the flexibility that you wish to have. Aetna Health Insurance, for example, offers the following health insurance plans:
Network Only: You select your primary care physician and all claims must be submitted through that physician or your care is handled within the network of HMO or EPO providers.
Network Optional: You have the option of going outside of your physician network, sometimes with, and sometimes without your referrals from your physician.
Indemnity: There are no limits to your care network.
Retiree: Special health plans for pre-65 retirees with more benefits than many Medicare plans.
Health Savings Accounts & Flexible Spending Accounts: A tax-deductible way to cover out-of-pocket medical expenses, sometimes with the added benefit of employer matching contributions.
Networks: Selected medical specialists and professionals who provide superior health service at the lowest cost.
Other Health Insurance Plans
Other health insurance providers offer additional options that would fit your needs. Such options would include high deductible health insurance plans, managed and long term care plans, and plans with different deductibles, co-pays, and limitations. In choosing the health insurance plan best fit for you, you’ll need to take into consideration all of the different exclusions and options available with the health insurance plans you’re reviewing.