Where to Get Cheap Health Insurance in Virginia
Most people think cheap health insurance is a thing of the past. Well, it isn't ... if you know where to go. Here's where to get cheap health insurance in Virginia.
Virginia Health Insurance
Whether you're looking for individual health insurance or group health insurance in Virginia there are four basic types of coverage:
* Indemnity plans, also called fee-for-service plans. These health insurance plans pay for the majority of your your medical bill (about 80%) after you pay a deductible of $500 to $2,000. With these plans you're free to choose whatever hospital or doctor you want.
Indemnity plans provide the most freedom of choice, but involve the most paperwork and are the most expensive health care plans.
* Health Maintenance Organizations (HMOs). These health insurance plans assign you to a medical group of physicians and hospitals, known as a network, that you're required to use for your medical care. You're also assigned a primary care physician who is responsible for overseeing your care and referring you to network specialists. You pay a co-payment after each visit to your physician (usually $5 to $10), and the HMO pays your bill.
HMOs are the least flexible health care plans, and because of that they are the cheapest.
* Preferred Provider Organizations (PPOs). These health plans assign you to a network of physicians and hospitals and also assign you a primary care physician. If you see physicians or specialists outside your network you may have to pay a deductible or pay the difference between what a network physician would charge and what the non-network physician charges . Co-payments are usually $5 to $10, and the PPO pays your medical bills.
These plans cost more than HMOs, but are cheaper than indemnity plans.
* Point of Service Plans (POSs). These plans assign you to a network of physicians and hospitals, but you're allowed to use physicians and specialists outside the network by paying an additional fee. They put more emphasis on preventive care, such as offering health workshops and discounts to health clubs.
These plans cost more than HMOs and PPOs, but are cheaper than indemnity plans.
Getting Cheap Virginia Health Insurance
The only way to get cheap health insurance in Virginia is to compare rates from a number of different companies, and the easiest way to do that is to go to an insurance comparison website.
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get Virginia health insurance rate 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 extensively on how to get cheap health insurance in Virginia.
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