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eHealthInsurance offers a wide selection of quality Health Insurance
Plans, FREE instant
insurance quotes, side-by-side health insurance comparisons,
best available prices, online
applications and a very knowledgeable
Customer Care team to help you find the health
insurance plan that is right
for your personal needs.
Indemnity Health Insurance (Fee-for-service):
allows you to go to any hospital or doctor.
You submit a claim and pay
the invoice (to be reimbursed later) or authorize the hospital or
doctor
to collect their fees directly from your health insurance company. Although this
health
insurance plan is very flexible in who provides your care, the
premiums are higher than other
types of health insurance. Also, indemnity
health insurance plans usually do not provide any
coverage until the deductible
has been satisfied.
PPO Health Insurance (Preferred Provider Organization):
the health insurance
company has a network of "preferred providers"
(hospitals, doctors, clinics, etc.). These
medical providers discount
their service fees to your health insurance company in exchange
for being
part of the network. If you use a provider from outside the network, you'll
have to
submit a claim and likely pay a higher deductible. This is usually
cheaper but not as flexible
as the indemnity health insurance plan.
HMO
Health Insurance (Health Maintenance Organization): all your health
services are
provided by the organization of doctors, hospitals, etc. The
HMO is much like a strict PPO:
you must use the health providers the health
insurance company authorizes (except for
emergencies as defined by your
plan). Your doctor refers you to other doctors within the
HMO as necessary.
The HMO health insurance advantage is that it has no deductibles and
usually
requires only a small co-payment for each service. There may also be a maximum
to
what you pay annually "out-of-pocket."
POS Health Insurance
(Point-Of-Service): an option of HMO health insurance with greater
flexibility.
Your primary doctor may refer you to someone outside of the HMO with
minimal
or no additional cost. You may also refer yourself to a non-HMO provider,
but you'll have to
pay co-insurance.
Common Options for Your Plan:
After selecting the health insurance plan and establishing its terms,
your agent will give you
a proposal. The eHealthInsurance Proposal contains
five key areas:
Doctor Co-Pay: like HMO's, Indemnity and PPO health
insurance plans may offer doctor
co-payment options. A fee is paid to the
health insurance company ($10-$40) for each visit
to the doctor. This usually
isn't subject to deductibles and co-insurance.
Prescription Card: the
card enables your health insurance carrier to pay most of your
costs. Usually
presented at the drugstore, you'll pay only a fraction what it normally
costs
depending on your policy and type of prescription.
Accident
Supplement (AS): in case of an accident, this option would pay for any medical
treatment
up to the predetermined amount without a deductible. Costs in
excess would then
have deductibles and co-payment apply as normal.
Preventive
Care: some health insurance may offer this as either an option
or an inclusion.
Routine physicals, immunizations, and tests may be covered
without a deductible.
Vision: health insurance carrier may include benefits,
ranging from co-payment eye exams
and discounted glasses.
Dental:
general cleaning and other basic dental care may be covered.
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