Why Health Insurance?
Ordinarily, it is a luxury to fall ill, because it costs a fortune. One can't predict when you'll be ill or what your medical bills will be. With health insurance you protect yourself and your family in case you need medical care that could be very expensive. Its always better to get health insurance when you are healthy because if you try to get it when you need, it might be too late or it could be exorbitantly high. Let us guide you in your purchasing decisions, and to obtain a FREE no obligation a health financial quote NOW!

Where to get Health Insurance?
Most people get health insurance through their jobs or are covered because a family member has insurance at work. This is called group insurance. Group insurance is usually more inexpensive. In many cases the employer pays all or part of the cost. If your employer does not offer health insurance you might be able to get group insurance through membership in a labor union, professional association, club or other organization. Many organizations offer health insurance plans to members.
If you are unable to obtain group health insurance you can buy an individual health insurance policy.

How to Get Health Insurance?
Use your online form to get a free no obligation quote! Make sure it provides the kind of coverage that's right for you and your family. Read and understand the benefits, limits, conditions and exclusions.Choose the plan that meet both your needs and your budget.

What are the types of Health Insurance that are available?
There are several types of Health Insurance plans, however the two main types are
    • Health Maintenance Organization (HMO's)
    • Preferred Provider Organizations (PPO's)

Health Maintenance Organization:
Health Maintenance Organization are prepaid health plans, As an HMO member you pay a monthly premium. In exchange, the HMO provides comprehensive care for you and your family, including doctors' visits, hospital stays, emergency care, lab tests, x-rays and therapy.

The HMO arranges for this care either directly in its own network of doctors and other health care professionals under contract. Usually, your choices of doctors and hospitals are limited to those that have agreements with the HMO to provide care.

There may be a small co-payment for each office visit, such as $10 for a doctors visit or $50 for hospital emergency room treatments. Your medical cost will likely be lower and more predictable in an HMO than with high-end PPO. With this type you may need to get a pre-approval to go to a specialist from your primary care physician.

Preferred Provider Organization:
With the Preferred Provider Organization, you can go to any doctor (preferably within the network), you present your card and do not have to fill out an form. Usually there is a co- payment for each visit. For some services, you may have to pay a both deductible and coinsurance.

In a PPO, you can use doctors who are not part of the plan to still receive some coverage. At these times you will pay a larger portion of the bill yourself (and also fill out the claims forms). Some people like this option because even if their doctor is not a part of the network, it means they can still go to the doctor of their choice and get the treatment.