Where to Get Cheap Group Health Insurance
Looking for a cheap group health insurance plan with a top rated company? Here are the various plans that are available plus where to find the best rates.
Group Health Insurance
Under a group health insurance plan the group is issued a master policy and each individual in the group is issued an insurance certificate which is their personal policy.
Group insurance is usually cheaper for an individual within the group than an individual policy, and can include special coverage that's more expensive or not available to an individual.
Group Health Insurance Plans
The various health insurance plans that are available to a group include:
Comprehensive Health Insurance Plans
* Major Medical Insurance - These plans let you choose your doctors and hospitals. They pay for doctor visits, hospital fees, surgical costs, and prescription drugs.
* Short-Term Major Medical Insurance - These plans provide you with the same coverage as major medical insurance, but for a limited amount of time.
* Managed Health Care Insurance - These plans assign you to a group of physicians and hospitals. They pay for doctor visits, hospital fees, surgical costs, and prescription drugs, and may include preventive care.
Specialized Health Insurance Plans
* Hospital and Surgery Insurance - These plans restrict your insurance coverage to hospital expenses such as surgical fees, room and board, lab tests, and X-rays.
* Hospital Confinement Indemnity Insurance - These plans pay a certain amount for each day you're in a hospital.
* Specified Disease Insurance - These plans pay for medical costs for a single disease such as AIDS, cancer, or heart disease.
* Accident Only Insurance - These plans pay for doctor visits, surgical costs, and hospital fees when your injured in an accident.
* Long Term Health Care Insurance - Theses plans provide health care and help for people who cannot take care of themselves.
* Home Health Care Insurance - These plans provide in-home health care and assisted living care for people who are injured or ill.
* Dental Insurance - These plans pay for dentist's fees and dental specialist's fees - fillings, crowns, extractions, dentures, check-ups, etc.
* Vision Insurance - These plans pay for costs associated with vision correction - glasses, contact lenses, vision tests, etc.
Cheap Group Health Insurance
The only way to get the least expensive group health insurance is to get insurance quotes from a number of companies and compare their rates. The quickest and easiest way to do that is to go to an insurance comparison website where you can get quotes from multiple insurance companies in one place.
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get cheap group health insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips 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 how to get cheap group health insurance.
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