While costs for medical care continues to rise, there's still a way to get affordable individual health insurance. Here's how to find the lowest cost health insurance plan.
Individual Health Insurance
If you're self employed or your employer does not offer health insurance, you may have to purchase your own health insurance. Although individual insurance plans cost more than group plans, there are still some ways to find affordable individual health care.
Individuals and groups alike need to select the most affordable health plans they can find. That's what makes a managed health care plan the plan of choice. Managed care plans work by providing medical health care through a network of doctors and hospitals. An HMO is the least expensive of the managed health insurance plans.
As a member of an (HMO) health maintenance organization, you are provided with medical coverage including doctors' visits, hospital stays, surgery, emergency care, x-rays, lab tests, and therapy. Usually, the doctors and hospitals you use must be in the network.
Depending on your needs you may want to include coverage for items such as maternity care, prescriptions, and vision care. Managed care plans can vary quite a bit from insurance company to insurance company so look at each plan carefully before deciding on which one to purchase.
Affordable Individual Health Insurance Quotes
One of the best ways to get affordable health insurance quotes is to go to a free insurance quote website. There you can get competitive quotes from up to 5 health insurance providers so you can compare plans and prices. After you have your quotes, you need to look closely at the policies and decide which one is the best for you.
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