Looking for health insurance? Want to know where to get the best individual health insurance quote online? Here’s how …

Individual Health Insurance Plans

The first step in getting the best individual health insurance quote is to have a basic understanding of each plan so you can make an informed decision about which is right for you. Here are the pros and cons of the most popular plans:

HMO (Health Maintenance Organization)

This plan sets you up with a network of health care providers which you must use when you’re ill.

Pros – This is the cheapest plan with the least amount of paperwork. Copayments are cheap, usually $5 to $15 per doctor visit.

Cons – You can only see doctors within your network, and you must first visit your designated primary physician who will either treat you or refer you to a specialist.

PPO (Preferred Provider Organization)

This plan also sets you up with a network of health care providers.

Pros – You may see a specialist within your network without getting permission from your primary physician and you may see physicians outside your network by paying a fee.

Cons – Costs slightly more than an HMO. If you see a non-network doctor you may have to pay a deductible or pay the difference between the network doctor’s fee and the non-network doctor’s fee.

POS (Point-of-Service Plan)

Like HMOs and PPOs this plan sets you up with a health care network.

Pros – You may see physicians outside your network, but it will cost more than seeing an in-network physician.

Cons – If you don’t receive permission to see a non-network physician you may end up paying the entire bill.

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get individual health insurance quotes online from top-rated companies in your area and see how much you can save. You can get more health insurance tips by going to their “Articles” section.

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