Affordable Major Medical Insurance Quotes

Low cost medical insurance plans are available from most of the major US health insurance companies. Medical insurers such as Blue Cross, Aetna, Humana, UnitedHealthOne (formerly UnitedHealthCare) and Cigna offer affordable plans that feature premiums 20%-40% lower than typical policies. These low cost health insurance policies still feature rich benefits and major medical coverages to protect against the catastrophic loss.

Since medical insurance premiums are regulated by the state, we are able to offer the guaranteed lowest available rate allowed by law. There simply is not another website or broker that can legally offer a lower rate. But since low cost individual medical insurance plans often contain slightly different coverages than more comprehensive plans, we feel it is important to fully explain and review any differences, to insure you are applying for the most appropriate policy.

Popular Low Cost Medical Insurance Options

Some of the most popular low cost medical insurance policies are UnitedHealthOne’s  “Saver 80” and “Copay Saver,” Aetna’s “PPO 5000” and “Preventive & Hospital Care,” Humana’s “Monogram” and the Blue Cross “High Deductible” plans. And of course, there are many other inexpensive options with other insurers. Whether you are self employed, uninsured, an individual or a family, we’ll help identify the plans in your state that provide the most coverage at an affordable rate.

Low cost medical insurance plans often include higher deductibles on the major medical benefits to reduce the premium. As an example, by increasing the deductible from $1,000 to $5,000, rates can reduce by as much as $4,000- $5,000 per year for families and $2,000 per year for an individual. For healthy individuals and families that don’t have many major claims, we highly recommend considering this option. Unless you submit many major medical claims, your savings will be substantial.

Another common feature of low cost health insurance plans is limiting the number of covered office visits. Many “Saver” and “Value” policies provide benefits for only two or three symptomatic physician visits. However, typically, these types of policies often cost hundreds of dollars less per month than conventional family plans. If you do not have many office visits per year, it may be advisable to consider this type of health care coverage. Also, many limited office visit policies do include preventive coverage, which makes them an attractive option.

 Low cost children’s health insurance is also available. However, since the cost savings is not significant, a comprehensive policy for children is recommended. In most states, rates are quite affordable and most coverages, such as office visits, prescriptions and preventive benefits, are not subject to a deductible.

Catastrophic Medical Plans

Catastrophic plans are the least expensive type of health care and are also the most popular low cost medical insurance plan. Premiums are low since these types of plans typically do not cover office visits or prescriptions. Major expenses such as hospital stays, emergency room charges, inpatient and outpatient surgeries and other associated costs are generally covered. Other inpatient benefits often include room and board, intensive care unit, operating room, recovery room and professional fees of doctors, surgeons and nurses. We highly recommend catastrophic medical plans when office visits and prescriptions are not a priority and are rarely used.

Short Term Medical Plans

Low cost temporary health insurance (short term coverage) is designed to provide temporary medical coverage…usually for 1-24 months. Premiums are extremely low and the application process is simple. Normally, there are less than 10 medical questions and policies can be approved in 24-48 hours. Depending on the plan, short term policies can offer limited office visit and prescription coverages along with catastrophic benefits.

Typically, short term medical coverage is designed for healthy individuals and families that do not have any major pre-existing conditions. Temporary coverage is often ideal if you are a newly-hired employee, a recent high school or college graduate, unemployed, between jobs and temporarily out of work or waiting for approval for standard health insurance benefits. Generally, a deductible applies to each claim. Once the deductible is met, 50%-80% of the remaining expenses are paid, although your out-of-pocket expenses are normally capped. We carefully research all of the short term plans offered by the major health insurers. We feel it is important to carefully evaluate your specific situation before making a recommendation.

To instantly view, compare or apply for low cost medical coverage, please click on the “Get Instant Quote” button at the top of the page. Your personal information is never shared with any other person or company. Or, please call us at (888) 513 6446 for additional information.