Posts Tagged ‘HMO’

Where to Get Cheap Small Business Health Insurance in Indiana

October 23, 2015

According to the Indiana 2008 Legislative Agenda, -Access to affordable health care continues to be one of the biggest concerns for small businesses in Indiana. Of the 42 million people uninsured, more than 61 percent are either small-business owners or employees of small businesses.-

Legislators are considering a number of options to help ease the insurance burden. But until these or other money-saving options are enacted, small business owners still need to find inexpensive health insurance.

Lowering Your Costs

There are ways small business owners can reduce health insurance costs. For example, you could choose a PPO or HMO instead of a Fee for Service plan. While Fee for Service plans offer more choice and flexibility, they also cost more.

Another option is to consider a high deductible insurance plan coupled with a health savings account. You will have to pay out of pocket for all your medical costs until you reach the deductible. However, you can reimburse yourself – tax-free – with funds from the health savings account.

Get Quotes from Multiple Companies

No matter what kind of plan you decide to buy, the best way to get the best rates is to comparison shop. You can quickly and easily get quotes from multiple A-rated insurance companies by going to an insurance comparison website.

You just fill out and submit a simple online questionnaire and you’ll receive quotes from several small business health insurance companies.

On the best websites, you can also talk online with insurance experts, getting complete and accurate answers to all your insurance questions. (See link below.)

Where to Get the Best Rates

Visit or click on the following link to get Indiana health insurance quotes for small your business from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on small business health insurance in Indiana.

How to Get a Cheap California Health Insurance Quote

December 3, 2014

One quarter of all Californians don’t have health insurance, and Los Angeles has more residents without health insurance than other city in the United States. If you’re among those Californians living dangerously and hoping to stay healthy, you need to start looking now for a cheap California life insurance quote.

Check with Your Employer

Most Californians who do have health insurance get it through their employers. If your employer offers a health insurance plan, this is likely to be your cheapest option for getting health insurance.

Set Your Priorities

If you don’t have an employer insurance plan you can join, you’ll need to look into a private health insurance plan. Many types of plans are available. You will need to choose the type that best fits your needs and budget:

* Comprehensive coverage, which includes such items as doctor visits, preventative care, prescriptions, and even dental and vision.

* Major medical coverage, which covers only hospitalization and major medical expenses.

You’ll also need to choose whether you want a fee-for-service policy that lets you choose any health care provider, or if a PPO (Preferred Provider Organization) or HMO (Health Maintenance Organization) will work for you.

PPOs provide comprehensive health services but you’ll have to choose a doctor and hospital that is part of the PPO’s network. HMOs offer the cheapest rate for health insurance plans. With an HMO, you also must choose a doctor and hospital within the network. In addition, HMOs may require you to receive approval before visiting a specialist.

Choose a Health Insurance Company

Once you’ve decided what your health insurance priorities are, you can start looking for a cheap California health insurance company.

Begin your search online by going to an insurance comparison website. On this website you’ll complete a simple form with information about yourself and your insurance needs. You’ll then get quotes from multiple A-rated health insurance companies.

The best websites even let you talk with insurance professionals, online or by phone, so you can ask questions and make sure you choose the best health insurance company for your needs. (See link below.)

Visit or click on the following link to get California health insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on California health insurance quotes.

Health Insurance Policies – How to Get the Best Plan at the Best Price

November 23, 2014

In the market for health insurance? Want to know how to get the best policy at the best price? Here’s how …

Best Policies

The best health insurance policy is the one that gives you the coverage you want at a price you can afford. The most popular health insurance plans are:

1. HMOs (health maintenance organizations) – With an HMO your receive health care from a specific network of doctors and hospitals. The HMO pays for your doctor bills, hospital fees, and prescriptions, and you pay a co-payment (usually $5 to $15) for each doctor visit.

You must choose a network primary care physician who will be responsible for overseeing your health care and referring you to specialists when needed. Visits to doctors outside the network are not covered.

HMOs are the least expensive comprehensive health care plan and involve the least amount of paperwork.

2. PPOs (preferred provicer organizations) – With a PPO you also receive your health care from a network of doctors and hospitals, but you don’t need to choose a primary health care physician and you don’t need to get a referral to see a non-network doctor. However, you’ll pay extra to see a non-network doctor.

PPOs are more expensive than HMOs because they are more flexible.

3. POSs (point of service plans) – These plans are similar to HMOs, but you may use non-network doctors by paying a higher co-payment and a deductible.

POSs are cheaper than PPOs, but more expensive than HMOs.

Best Companies

There are three websites where you can check out insurance companies:

The A.M. Best website (ambest.com) – This website lists a company’s financial status and is a good site to use to determine their financial stability and their ability to pay claims.

J.D. Power & Associates website (jdower.com) – This website provides customer satisfaction ratings and is a good site to use to see how well a company treats its customers and how well they pay their claims.

Your state’s department of insurance website – All states maintain a department of insurance website, and most states provide a list of complaints filed against insurance companies so you can see if a company has had more than its share.

Best Rates

To get the best rate you’ll need to do a little comparison shopping. The easiest way to do it is to go to an insurance comparison website.

Visit or click on the following link to get health insurance policy quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on health insurance policies.