Where to Find Inexpensive Individual Health Care Plans
There are all types of healthcare plans, plans on the market today including comprehensive health insurance, Managed Health Care, and a host of specialized plans. This article explains how to find an affordable plan that meets your needs, too.
What kind of health care plans are available?
Health Care Plans fall into two basic categories – comprehensive plans that anything you cover medical needs, and specialized planscover only a specific disease or situation. Here is a breakdown of the most popular plans:health care
Comprehensive Plans
Comprehensive plans, you pay for your medical visits, medications, hospital and related medical costs, such as X-ray and laboratory tests. There are two types of comprehensive plans:
1. Fee-for-Service Plans () and compensation plans – These are the traditional plans whereby you pay a monthly premium and your insurance companyPercentage of medical costs (usually charged 80%) after a deductible. These plans allow you to choose your own health care provider and for this reason they are the most expensive plans.
2. Be Managed Healthcare Plans (HMO, PPO, provided POSS) – These plans pay a monthly premium you pay, or for services and assigned to a group of doctors, hospitals and specialists. You pay a small co-payment for each doctor’s visit (usually $ 5 to $ 10),and your insurer pays your medical expenses. These are the cheapest of the comprehensive plans.
Special Plans
Special plans for people who do not want to pay the high cost of a comprehensive plan, or just want for a specific disease or situation. These plans include:
* Major medical plans – The plans pay for hospital and surgical expenses for serious illnesses such as cancer or heart disease. You pay for doctor visits and medicationand your insurer pays for major medical and hospital costs. These plans have a high deductible and low monthly premiums.
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