I need to get my own health insurance. Does anybody know of any insurance that just covers if stuff goes really wrong? There are many insurance companies that offer plans with higher deductibles and higher copays with no coverage for prescription drugs or doctors office visits.
If you are young and healthy it is good thinking on your part to insure for the unexpected huge hospital bill but to pay for the smaller expenses like drugs and office visits. This will keep your monthly premiums much lower than a plan that has all of the extras.
I would suggest you contact an independent agent in your area they can provide a proposal and make comparisons of the many plans that are available. Like a high deductible major medical policy. Sure. You can buy one through a local agent.
Don't buy it off the internet, so you don't get scammed. You can get health insurance quotes and catastrophic comparisons from different agents in your area by filling out a quote form at http://www.myinsurancequotes.net. Make sure you are getting the best deal because prices vary alot from company to company.
Jared Balis
http:www.utahinsurance.org You can get a short term major medical policy.
They can provide coverage for up to 12 month and they are cheaper than a standard policy and have good deductible options (john Alden/Assurrant). If want want coverage for when things reaaly go wrong, you may mean Major Medical Health Insurance Coverage.
There are plans available to you for major medical insurance that you can look into online.
One of the leading providers of online quotes for health insurance plans is InsureMe, since 1993 they have provided consumers like you with insurance quotes.
You fill out a form and they will give you up to 5 free, no obligation quotes for health insurance from leading insurers in your area. To request your free quotes visit http://www.insureme.com/landing.aspx?Ref...
Make sure you compare plans and rates from several insurance companies to help you find the most affordable option that meets your needs.
Also, higher deductibles may help lower costs. Annual or semi-annual premiums payments may save you some money as well.
I hope that helps! Best of luck to you. It can be hard to choose health insurance, because as you say, you want to know if you will be in good hands if things do go horribly wrong. That's the whole point isn't it. Some insurance companies might not pull through in your time of need, which is a sad truth.
Here are some points to consider which should help you in choosing your health insurance:
- Indemnity or Fee-for-service Plans
Traditional plans that allow you to go to any doctor you choose are called indemnity or fee-for-service (or point of service) plans.
- Advantages of Indemnity Plans
You can get your medical care anywhere you want without getting referrals or prior approvals.
- Disadvantages of Indemnity Plans
To control costs, insurance companies shift more costs to you, making indemnity plans more costly to you than HMOs and PPOs.
Your healthcare provider may expect you to pay up front and submit a claim to your insurance company for reimbursement.
- Health Maintenance Organizations(HMOs)
An HMO (Health Maintenance Organization) is an association of healthcare professionals and medical facilities that sell a fixed package of health care services for a fixed price. Each patient has a primary care physician, who is often referred to as a gatekeeper because services provided by a specialist are not covered unless the gatekeeper determines that the specialist is necessary. In HMOs, it's possible that you might not receive the medical care you need.
- Advantages of HMOs
Claim forms aren't usually necessary.
Your out-of-pocket costs are often lower and more predictable.
- Disadvantages of HMOs
Services provided by healthcare professionals outside the network aren't covered.
Services provided by specialists require a referral from your primary physician.
Some services are limited (for example, outpatient mental health services).
- Preferred Provider Organizations (PPOs)
A PPO (Preferred Provider Organization) contains the managed care aspect of an HMO but with the added flexibility of being able to go outside the network of healthcare professionals and facilities to any health care provider of your choice when you feel it's necessary. When you go outside the network, your benefits are less and you pay more out of your own pocket than you would if you had stayed within the network. If flexibility and choice are important to you, a PPO may be a good choice if it's available to you.
- Advantages of PPOs
You have more flexibility than you would in an HMO.
- Disadvantages of PPOs
It's more difficult to predict your out-of-pocket costs.
Most importantly, however, is getting a quote. When it all comes down to it, if a health insurance company is promising the world, but asks for the world in payments, then it is pretty useless. I know a great site which gives quotes from all the major insurers in the US, and it's totally free and non-committing. You can check it out here:
http://www.mb01.com/lnk.asp?o=1263&c=918...
I hope I was of some use, and good luck in choosing your health insurance. It is very important incase things go horribly wrong! | 