Insurance Basics

Some people want cheap health insurance. Others are more concerned with benefits. Don't know what health insurance plan will work best for you? We're here to help. Let's look at some basic health plan types:

Individual Health Insurance (also called Personal Insurance)

This is major medical insurance you buy for yourself. It covers doctor visits, prescription drugs, preventive services, major surgeries and illnesses. A few of the reasons you might need personal health insurance:

• You've left your job, and choose not to get COBRA insurance.
• You're a student or recent grad who's no longer covered under a parent's health insurance policy and needs cheap medical insurance.
• Your job doesn't offer affordable health insurance or you need self-employed insurance
• You've retired, but your Medicare insurance hasn't started yet.
• Your job only covers you, not your spouse or kids.

Get an Individual Health Insurance Quote now.

Family Health Insurance

• Personal medical insurance that covers you and your family.
• Has the benefits that come with an individual insurance policy, but the premiums and deductibles are higher since the plan covers a whole family.
• You can also cover a spouse or child with an individual health insurance policy if you have insurance for yourself through work.

Get a Family Health Insurance quote now.

Basic Health Insurance

• Affordable no-frills health insurance.
• You pay for minor expenses, but if you have a costly major illness or operation, your health insurance kicks in.
• A good choice if you're very healthy and on a budget.

Get a Basic Health Insurance quote now.

Short-Term Health Insurance

• Covers you for 1-12 months only.
• A good choice if you're waiting for coverage to start through a job or Medicare.

Get a Short-term Health Insurance Quote now.

Health Savings Accounts

• A tax-favored account you put money in to pay for your medical expenses.
• If you don't spend all your money in a calendar year, you can roll it over to following years.

Get a Health Savings Account quote now.

Guaranteed Issue Plan

A type of personal health insurance you can't be turned down for, even if you already have a pre-existing condition.

Get a Guaranteed Issue Insurance Quote now.

Medicare Insurance

Coverage for people over 65, or people under 65 with certain medical conditions.

Get a Medicare Insurance quote now.

Optional Benefits

Benefits you can add on to your general health insurance plan, like:

• Dental Health Insurance—Helps cover the cost of major dentistry work such as crowns and bridges, along with routine cleanings and x-rays.
• Life Insurance—Various levels of coverage available for you and your spouse
• Travel Insurance—Covers you for illness or injury in the U.S. or overseas

Within these broad coverage categories, you'll choose a more specific plan option with the level of doctor access you need. These include:

• HMO plans. More about HMOs.
• PPOs plans. More about PPOs.
• PFFS plans. More about PFFS plans.
• Indemnity plans. More about Indemnity plans.

Now that we've covered the basics, let's compare health insurance options to find the most affordable insurance for you. If you already know what type of health care plan you need, contact us now.

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