Health Insurance Buyers Guide
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Shopping For Health Insurance
Are you looking to purchase health insurance but are not sure where to start? Here at OurHealthInsurance we make finding the right medical care for you as simple as can be. You can shop hundreds of different quotes from top providers on our website, or can speak to one of our expert agents about the best, affordable plans for you by calling +18555899644.
Every state has different coverage options, so be sure to explore your states health care options.
Open Enrollment Period And Special Enrollment Period
The Open Enrollment Period is the period during which you are able to enroll into a health insurance plan. Although the 2017 Open Enrollment Period ended on January 31st, 2017, the 2018 Open Enrollment Period begins November 1st, 2017 and will run until December 15th, 2017. If you fail to enroll into a health insurance plan during this period, you may still be able to qualify for Special Enrollment Period. To qualify for the Special Enrollment Period, you must have had a qualifying life event that occurred within the past 60 days. Both the Open Enrollment Period and the Special Enrollment Period are just two options to look at when buying health insurance, and if you happen to miss them or do not want an Obamacare plan, we have several other options for you.
Different Health Insurance Plans
The Affordable Care Act (ACA), otherwise known as ObamaCare, organizes its health insurance plans into four separate tiers: Bronze, Silver, Gold and Platinum. Each tier provides a different level of medical coverage which are explained below:
- 60% of your medical costs on average are covered by the insurer while you pay 40%
- The lowest premium with the highest deductible
- 70% of your medical costs on average are covered by the insurer while you pay 30%
- 2nd lowest premium with separate deductibles for prescription and medical
- 80% of your medical costs on average are covered by the insurer while you pay 20%
- High premium with no deductible
- 90% of your medical costs on average are covered by the insurer while you pay 10%
- Highest premium with no deductible
Private Market Health Care
Outside of the Open Enrollment Period, we are able to sell private health insurance plans that start their coverage as soon as the following day in some cases. These short term medical insurance plans are designed to help bridge the coverage gap during times of transition. Speak to one of our expert agents today or get a short term health care quote now.
Limited Medical Indemnity
Limited Medical Indemnity plans allow you to choose any doctor or physician that you please, but requires you to pay up front for your medical care. You will then be required to send in a claim to the insurance company who will reimburse a certain, set percentage of the claim.
Accident Medical Expense (AME) coverage helps you with the costs that are not covered by other insurance. AME coverage is very helpful when dealing with large, unexpected medical bills and will help you turn those costs into manageable expenses. There is usually a small deductible associated with AME insurance, however the remaining out-of-pocket costs will be covered to the extent of the chosen benefit level.
Critical Illness Insurance
Critical Illness insurance is a policy that covers consumers that are diagnosed with a critical illness, such as cancer, heart attack or stroke. Once diagnosed with a critical illness, individuals are paid a single lump-sum, tax-free payment to help cover the expenses associated with the illness or even costs that may occur while recovering. The lump-sum amount will vary depending on the individuals policy.
Prescription drug plans are similar to medical insurance plans in the sense that in return for paying the premiums and deductible, the insurance company will cover most or all of the medication costs. Most plans require the use of generic drugs when available and make you pay more when a name brand drug is requested. There are also drug discount plans that cover additional prescription drug costs that can be purchased as supplemental insurance plans. Get a prescription insurance quote online now.
There are two different types of vision insurance plans, benefits packages and discount packages. Benefits packages have an annual premium fee, for a limited number of exams or services to be used within a time frame. These packages may also include co pays. Discount packages on the other hand do not require co pays but also have an annual premium fee. Individuals must use providers in a particular network, but are given unlimited access to the services in that network. Explore your vision insurance options today or get a free vision insurance quotenow.
There are many different dental plans available to perfectly fit the dental coverage that you may need. From orthodontics to oral surgery coverage, having the right dental insurance plan may save you a lot of money. If you or any dependents are expecting a braces or an oral procedure in the near future, it is important to purchase a higher-cost plan to cover those services. Learn more about buying the right dental plan for you or get your free dental insurance quote now.
What To Do If You Recently Lost Your Health Coverage
If you recently lost your job and coverage, there is no reason to stress about keeping your family covered as OurHealthInsurance is here to help. There are several different short term medical insurance options to choose from to keep your family covered in times of transition.
COBRA is the continuation of the health coverage provided by your previous employer for a certain time period, which is usually 18 months. To qualify for COBRA, you have to have been enrolled in your employers health care plan at the time of your termination and you will still have to pay the premiums to continue the benefits. Although COBRA allows you to easily continue your health care after losing a job, there are usually other more economically efficient short term plan.
What Type Of Health Insurance Should I Buy?
There are many factors that contribute to choosing the best health insurance for you for the best value:
- How often do you visit the doctor?
- Do you see a specialist?
- Do you take prescription drugs?
- Will you or a dependent need dental care?
- What deductible amount would fit your budget?
These are just a few of the different questions you should have answered when choosing your health care plan and will all contribute to the total cost of your health insurance. First and foremost, it is important to understand the health care needs of you and your family to choose the best plan for you. Different medical insurance plans will have different out-of-pocket expenses, so be sure to choose the one that best fits your budget.
What Do You Need Your Health Insurance To Cover?
Different families will need different services covered by their medical insurance, which may depend on a variety of different factors such as how often you visit the doctor, whether or not you visit a specialist, or the need for vision, prescription, or dental insurance add ons.
What Health Insurance Plan Fits My Budget?
Sometimes, the cheapest health insurance plan will end up costing you in the long run. Depending on the services your family needs covered, you may choose to pay a higher monthly premium in exchange for a lower deductible if a major medical situation occurs. If you do not expect the need for many procedures, services, or medications, you may choose to pay a lower monthly premium in exchange for a higher deductible. However, if faced with an unexpected medical problem, you will be faced with paying the high deductible before your coverage kicks in.
Choosing Your Plan
In order to make buying health insurance as simple as possible, our team of expert agents will take all of your health care needs into consideration when deciding the best plan for you. By working with our agents, you will find the most affordable plan for you and your family so you can purchase today to be covered as soon as tomorrow. If you would rather explore your options online, you can get your free quote from us now, or explore other options offered by our partners.
Buying Through An Agent Versus Buying Online
Working with a OurHealthInsurance agent will take the stress out of finding an affordable health care plan. Our agents will work with hundreds of providers to find the best coverage for you. We also recommend speaking to several different agents before purchasing a health insurance policy, to ensure you are getting the best value for the price. OurHealthInsurance also makes it easy to get a quote online, but its up to you to search through all of your options to get the best medical insurance plan online. No matter what purchasing route you choose, we will make sure to find you the perfect health insurance plan.
Speaking with one of our expert agents to get a range of different health insurance options is always ideal when choosing the best medical coverage for you. You can call us at +18555899644 to get your free health insurance quotes or to buy today.