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http://www.a1-insurance-quotes-4u.co... featured article choosing a health insurance quote: the best bang for your buck peter lenkefi most people get a series of health insurance quotes when shopping around. everyone requires health insurance of some sorts, whether you are single, married have kids or are a student – and quotes help narrow down your options. however, the process can be quite a tedious one! not only will this decision affect your levels of medical care, it will also affect your pocketbook. this article will help you manage the choices available to you when shopping for a health insurance quote, so that your medical requirements and budget are both met satisfactorily. most of the health insurance quotes that you’ll receive will be grouped into one of three categories: health insurance quotes: indemnity of fee-for-service plans the plans that our parents used to use were probably indemnity plans; these health insurance quotes allow you to visit any doctor of your choosing. highly desirable by many people, these types of health insurance quote are in great demand, however, they are becoming harder and harder to come by, and seem to be creeping up in price. but many consumers are willing to pay this price, because of the convenience and flexibility these plans offer. health insurance quotes: health maintenance organizations (hmos) hmos are becoming more and more common lately; most health insurance quotes are for this type of plan nowadays. hmos are, essentially, a group of health service providers who bundle their services together in a fixed price option. if your doctor doesn’t refer you to certain care, then you won’t be eligible to receive payment for it under your health insurance quote. these types of plans are good for people who know they won’t need any specialized services, and if your budget is a factor, this is one of the lower, and more predictable options. health insurance quotes: preferred provider organizations (ppos) ppos are a health insurance quote that combines aspects the two aforementioned plans. ppos offer the same type of managed group services as hmos, but also allow users to go outside of their network without a referral. it only makes sense, though, that using this option will cost you more out-of-pocket expenses, but it is covered partially. ppos are a good middle ground health insurance quote option; you get the flexibility of using your group of health care providers or ones outside of the network, and the costs for this type of plan are in the middle range of the three (although costs can be a bit less predictable). health insurance quotes: where to go? many consumers get their health insurance quotes from their workplace, which may or may not be partially paid for through the company. if your company doesn’t offer this benefit, perhaps talk to professional organizations, unions, banks, club or other group that you belong to – they may have an option that is attractive to you. if you cannot find group coverage this way, you can always opt for individual coverage – but this is by far the most expensive health insurance quote option out there. talking to an insurance agent who can assist you with the quote process is a good idea, if this is your only avenue. about the author for more more information about health insurance quotes please visit http://www.1health-center.com/articles/beat-your-competition-by-controlling-the-cost-of-your-health-insurance.php health insurance quote texas resources check below for additional health insurance quote texas links and information health insurance quotes and maternity insurance including renters insurance
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http://www.a1-insurance-quotes-4u.co... featured article health insurance plans and their differences brad triggs health insurance plans have changed dramatically over the past ten years, and american's currently have several different options to choose from- including hmo's, ppo's, fee-for-service plans, msa's and major medical. there are two main categories of health insurance plans that each of these policies is classified as; managed care plans and indemnity care plans. the differences between each of these plans mean the differences in how you will receive health care when you need it. managed care health insurance plans, mostly the hmo's, focus primarily on prevention, and people with these types of policies pay less for their coverage. the drawback is that you are limited to specific health care providers. indemnity plans, also known as fee-for-service plans, will cost you more- but you are completely covered no matter what illness or accident might occur. indemnity plans place an emphasis on patient choice, allowing you to choose where and when you are treated. the newest options in health insurance plans include the ppo (preferred provider organization) plans. these are somewhat a hybrid between the managed care and indemnity categories. due to their flexibility, these plans are becoming the most popular. ppo plans are similar to managed care plans in that they encourage preventative care, such as routine check ups which are covered under the plan, but you are allowed more of a choice over what doctors you can see. so how do the different plans effect how you receive health care? when you are part of an indemnity plan, you are typically able to choose the doctor you want to see when an unexpected illness occurs. you will have to fill out paperwork to submit claims, and keep track of your receipts and medical bills. if you are covered under the managed care health insurance plans, you have a higher chance of having your routine check ups covered, since they believe strongly in preventative medicine. you typically are required to choose a health care provider from a list of participating providers, but most of the paperwork required to process your claim is the responsibility of the insurer. about the author ***************************************** brad triggs provides more information and free insurance quotes at his website: my-insurance-quotes.com - health insurance plans

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