Major Medical Health Insurance
Major medical health insurance rates are the most affordable type of health care. As the nation’s premium consumer shopping website for benefits, we provide free online quotes for individuals, families, persons on COBRA and anyone who is self-employed. Easily, you can compare and use our content to find high-quality coverage at the most reasonable cost. We’ll help you find low cost policies for you or any dependent in your area whether you are working or unemployed.
We realize that researching plans and understanding all of the terms, conditions and exclusions is very difficult. Even if you don’t have current health insurance, we make the shopping experience easier so you can secure quality benefits at a great rate. In very little time, you can find and apply for a policy. If you are not yet eligible for Medicare, a group or individual policy can be found. And many companies offer dental and vision options. The financial protection you receive will be appreciated.
When you buy coverage, we simplify the process by doing all of the work for you. Only the most reputable and highest-rated companies are recommended to ensure you’re receiving benefits you can use. Both high deductible, copay and catastrophic options are researched so you can quickly determine the most appropriate choice. We’ll also teach you about national reform changes and if that impacts you or your family.
When Americans purchase their health care through Exchanges in 2014, we’ll help guide you through the process so you are matched with the best option. Instead of choosing from hundreds of plans, there will be four main options- Bronze, Silver, Gold and Platinum. Each choice has a different set of out of pocket costs (and premiums). Policies will be available both inside and outside of the Exchanges. However, mostly higher-income earners would benefit from outside contracts that may offer better Network coverage and more affordable pricing.
With our state-of-the-art software combined with live personal support, the best medical coverage is just moments away! Throughout your visit, there are many articles providing you information on hospitalization coverage, short-term policies, ways to reduce your expenses and more. You may also see a variance in rates from one state to another. For example, Ohio health insurance rates will be less than rates from Illinois. This is just a small part of the underwriting process.
How To Use This Quote Website
Our job is to provide the tools that allow you to easily choose the best plan for your specific needs. When you enter your zip code at the top of the page, the quoting process will begin. Very quickly, will be able to view plans side-by-side and pick the monthly premium that you want to pay. Of course, we’ll be available to help explain all of your options and guide you through the application process.
Since insurance rates are fixed by law, we’re able to offer the guaranteed lowest allowable costs. But we believe it is equally important to make sure the company we recommend is offering quality coverage and benefits, that, if needed, you will be able to easily use. Please don’t hesitate to contact us if you have any questions regarding any plan you see. Plan details and rates often change so we regularly update prices and coverages.
Types of Coverage
Catastrophic major medical coverage is the least expensive form of coverage. Commonly known as “High Deductible Health Plans” (HDHPs), these types of policies were created to lower insurance costs by offering a lower monthly premium in exchange for a higher annual deductible. Typically, catastrophic plans cover only major hospital and medical expenses after a deductible is met. Often, to keep the premium low, these deductibles are in the $2,500-$7,5000 range. The most common buyers of catastrophic health plans are persons between the ages of 22-28 and 50-64. However, if you are fairly healthy, at any age, you may want to consider this type of plan.
Here’s how a typical policy works. Assume you owned an Aetna plan with a $5,000 deductible and 20% coinsurance, and you have a $100,000 hospital bill. Once Aetna has payed your deductible, there is a $95,000 balance. Typically, there is a cap on the 20% of that amount that you are responsible for. Assuming it is $3,000, your total bill would be $8,000. Even if the claim is $250,000, $8,000 would be your total responsibility. You can also easily lower your out of pocket amount, by electing a 0% coinsurance or a lower deductible.
Comprehensive major medical coverage is the most expensive form of coverage. In addition to the typical catastrophic benefits, additional coverage is often included, such as primary physician and specialist office visits, generic and non-generic prescriptions, preventive services and maternity. Physical therapy, skilled nursing and home care are additional common benefits. However, comprehensive health care often costs twice or three times the premium of traditional catastrophic coverage. Employer-provided major medical benefits are often comprehensive coverage, but premiums are often partially paid as part of a benefit package.
Typically, you can choose either a PPO or HMO policy. A Preferred Provider Organization allows you to select from a large Network of providers. This includes primary care physicians, specialists and hospitals close to you. If it is a large insurer, such as Blue Cross or Humana, you can choose among thousands of providers across the country. A Health Maintenance Organization tends to be a bit more restrictive, since most of your treatment revolves around one person and a specific area. But sometimes, their premiums are lower and most HMOs feature top-notch benefits.
Health Savings Accounts (HSAs) are an affordable alternative to traditional insurance. It is a tax-favored savings account that offers a different way for consumers to pay for their insurance. HSAs allow you to pay for current medical expenses and save for future qualified expenses on a tax-free basis. To take advantage of an HSA, you must have a High Deductible Health Plan (HDHP). An HDHP is a catastrophic policy that costs much less than traditional health care. The money you save can be deposited into the HSA, and used for qualified expenses. You also completely control the money in your HSA and decide which type of investments to use.
Whether you choose a catastrophic, comprehensive or HSA plan, we’ll help you find the most affordable option at the lowest allowable rate. We never charge any fees for our service and our always available to discuss the specific insurance plans that are most suitable for you.
View, Compare or Apply For The Most Affordable Plans
Our website uses state-of-the-art technology (and LIVE persons waiting to help you!) that allows you to easily compare different plans from the top US insurers. Your rate is based on the information you provide and only the top-rated companies are shown. We will never use “medical discount plans,” which often contain limited coverage with high enrollment fees. If you just need coverage for a dependent, then this page will help.
You’ll find that most of the companies we recommend are the trusted names that you recognize, such as Blue Cross, Aetna, Humana and UnitedHealthOne (formerly UnitedHealthCare). We carefully review all of the major medical insurance available plans from each company, and recommend the plan that fits your particular budget and needs. Unlike many websites that simply provide only quotes, we feel it is important to understand the exact type of coverage you need, so that we can present the most affordable policy options at the best available prices.
Individual, Family or Self-Employed Policies
Individual plans are designed to cover one person. Naturally, premiums can be very inexpensive, especially, if it is a “catastrophic” policy. Rates can greatly vary with different companies, so we will study all of the available options before recommending the plan that best meets your needs. When you purchase private coverage, you have complete control over the type of benefits you want, how long you want to keep the policy in force, and whether you wish to keep it portable.
Personal coverage is also much more flexible than an employer-provided medical plan. Instead of a few choices regarding riders and plan designs, there will be hundreds of different combinations to choose from. If your doctor is not a participating provider of one company, then you can easily choose another. Whether you just left an employer plan or are buying a policy for the first time, we’ll help you find many affordable options.
Family plans provide coverage for two or more persons. Usually, office visit, prescription and preventive benefits are included along with the catastrophic coverages. To keep out-of-pocket expenses down, office visit and prescription copays are often low and not subject to a deductible. Rates are higher than individual plans, but raising the deductible will help keep the rate affordable. Some companies will provide a discount when you bundle more than one person on the same policy.
Self-employed plans feature tax-saving benefits that allow you to pay for many qualified medical expenses on a tax-free basis (HSA). When preparing recommendations for the self-employed, we feel it is important to understand what coverages you have used the most in the past, and then tailoring a major medical health insurance plan that meets your specific needs. Often, the policy is a combination of catastrophic and comprehensive coverages.
Feel free to browse our website for the most up-to-date information on current medical plans, State Exchanges, free quotes and expert advice on how you can save money.