Cheap Health Insurance Online – Which Type Of Health Cover Do You Need?


Purchasing cheap health insurance online to help save money and get a better level of coverage is no secret for most people. Most times all that is required is that you fill out some basic information about yourself on a web form. From there you will receive several different quotes from companies all trying to get your business. This is one of the best things about online insurance quotes. What many people do not understand is all of the different types of coverage not to mention the types of health insurance plans that they will be offered online.

This will help you decipher the different types of health cover and give you the pros and cons of each type of health plan as well.

First, let's take a look at the HMO. With a HMO, you will have a network of doctors that have signed up with that particular HMO and will provide care for those patients at a lower cost because the insurance picks up the rest of the cost involved. The only real downside to a HMO health plan is that in order to get in contact with more specialized doctors such as cardiologist, it will be necessary for you to go to your primary care physician first. Only then will the HMO health insurance pay for the trips to the specialist.

Second we have the PPO. Similar to a HMO, these health insurance plans have doctors that have signed up with the PPO Company and will provide them with medical care and the insurance company will offset the cost of care, leaving only a deductible for the patient to pay. The PPO has a significant benefit that the HMO does not have and that is the ability to see a specialist without first going through your primary care physician. The downside is that most times a PPO is more expensive than the other plans out there and is not really the best way to get cheap health insurance online for most people.

Lastly, let's look at the POS health insurance policies. POS is a combination of the previously mentioned HMO and PPO plans into a cheaper yet more flexible plan. You will be able to see almost any doctor you want, but you will still be required to visit your primary care physician before you can see any type of specialist.

These are some of the basics about the different types of health insurance. The easiest way to work out exactly what you need is to use a price comparison site for insurance which will compare polices and prices and give you the cheapest cover in minutes.

Source by Andy Ryan