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| Health
Insurance - Understanding The Basics |
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What is health insurance?
Simply put, health insurance is protection
against medical costs. A health insurance
policy is a contract between an insurer
and an individual or group, in which the
insurer agrees to provide specified health
insurance at an agreed-upon price (the
premium). Depending on your policy, your
premium may be payable either in a lump
sum or in installments. Health insurance
usually provides either direct payment
or reimbursement for expenses associated
with illnesses and injuries. If your employer
does not offer a health insurance plan,
you may wish to purchase health insurance
on your own.
Why do you need it?
Let's face it--health insurance is a necessity
in today's world. The costs of medical
care and treatment have soared to new
heights in recent years and are expected
to rise even further in the years to come.
Think for a moment about the enormous
medical costs you would incur if you suffered
a major injury tomorrow or were suddenly
stricken with a life-threatening illness.
Uninsured people live with such risk every
day of their lives; health insurance can
shield you from that risk. Even if you're
healthy today and have never had any major
problems in the past, you simply can't
predict the future.
In addition to medical emergencies, routine
conditions requiring visits to a physician
happen all the time. This is especially
true if you have children. Ear infections,
rashes, and high fevers are commonplace
with infants and children; numerous trips
to the doctor can be pretty expensive
without health insurance.
What do you need to know?
You should know where to get health insurance,
and understand the various types of private
health insurance that are available. There
are some important differences between
indemnity plans, HMOs, PPOs, and POS plans
worthy of understanding.
You should also make every effort to
understand your own health insurance policy,
and become familiar with common health
insurance provisions, including limitations,
exclusions, and riders. It's important
to know what your policy covers, and what
you'll have to pay for in out-of-pocket
expenses.
When comparing health insurance policies,
you should strive to balance coverage
against cost. While price is an important
consideration, there are also other factors
that may influence your decision when
it come to choosing a health insurance
plan.
Understanding the taxation of health
insurance benefits and premiums is also
an important issue, especially if you're
self-employed.
Being aware of your COBRA rights, in
the event that you lose your health insurance
coverage due to a change in employment
or other factors is also worth investigating.
When to get it ?
If you don't have health insurance right
now, you should seriously consider purchasing
it as soon as possible. No one can predict
the future--you don't know when you might
suffer an accident or become seriously
ill. Health insurance can help to protect
you against financial ruin. Get A Free
Health Quote
Please Note: The information
contained in this Web site is provided
solely as a source of general information
and resource. It is a not a statement
of contract and coverage may not apply
in all areas or circumstances. For a complete
description of coverages, always read
the insurance policy, including all endorsements
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| Individual
Health Plan of California
application Aetna PPO 500
application Aetna PPO 1500
application Aetna PPO 2500
Aetna PPO 5000
Aetna PPO HSA 1
Aetna PPO HSA 2
Aetna PPO Value 1500
Aetna PPO Value 2500
Aetna PPO Value 5000
application Blue Cross Tonik 1500
application Blue Cross Tonik 5000
application Blue Cross Tonik 3000
application Blue Cross Basic PPO
2500
application Blue Cross Basic PPO
1000
Blue Cross PPO 3500
Blue Cross PPO 3500 HSA
Blue Cross PPO Share 5000
Blue Cross PPO Saver
Blue Cross PPO Share 2500
Blue Cross PPO Share 1500
Blue Cross PPO Share 1000
Blue Cross PPO Share 500
Blue Cross EPO (HSA Compatible)
Blue Cross HMO Saver
Blue Cross HMO 100
BC Select HMO BC Select HMO
BC Right Plan Right Plan - No Rx
BC Right Plan Right Plan - Generic
Rx
BC Right Plan Right Plan - Full
Rx
BC Tonik Tonic 1500
BC Tonik Tonic 3000
BC Tonik Tonic 5000
Blue Shield Shield Spectrum PPO
500
Blue Shield Shield Spectrum PPO
750
Blue Shield Shield Spectrum PPO
1500
Blue Shield Shield Spectrum PPO
2000
Blue Shield Shield Spectrum PPO
5000
Blue Shield Spectrum PPO Savings
2400
Blue Shield Spectrum PPO Savings
4000
Blue Shield Access+ HMO
Blue Shield Access+ Value HMO
BS Subscriber Only Active Start
35
BS Subscriber Only Active Start
25
BS Subscriber Only Essential 3000
BS Subscriber Only Essential 3000
Health Net HMO 15
Health Net HMO 40
Health Net SmartChoice HSA 2500
Health Net SimpleChoice HSA 4000
Health Net FirstChoice PPO
Health Net SimpleChoice 50
Health Net SimpleChoice 40
Health Net SimpleChoice 35
Health Net SimpleChoice 25
Health Net SimpleChoice 15
Health Net VB Value Choice 1500
Health Net VB SimpleValue 50
Health Net VB SimpleValue 50 Rx
Health Net VB SimpleValue 40
Health Net VB SimpleValue 40 Rx
Health Net VB SimpleValue 30
Health Net VB SimpleValue 30 Rx
Nationwide PPO 25 $750 Ded
Nationwide PPO 25 $1500 Ded
Nationwide PPO 25 $2500 Ded
Nationwide Lifestyle 1750 Gen Rx
Nationwide Lifestyle 1750
Nationwide Lifestyle 2500 Gen Rx
Nationwide Lifestyle 2500
Nationwide Lifestyle 3500 Gen Rx
Nationwide Lifestyle 3500
Nationwide Lifestyle 4500 Gen Rx
Nationwide Lifestyle 4500
Pacificare HMO 10-35/250
Pacificare HMO 20-35/80
Pacificare HMO 35/70
Pacificare HMO 35/50
Pacificare PPO 70/50/500
Pacificare PPO 70/50/1000
Pacificare PPO 70/50/2000
Pacificare PPO 60/50/2500
Pacificare PPO 70/50/3000
Pacificare PPO 70/50/5000
Pacificare PPO HSA 2700
Pacificare PPO HSA 5000
Pacificare PPO 70/50/3000 SD
Pacificare PPO 70/50/5000 SD
Pacificare PPO 70/50/1000 Maternity
Pacificare PPO 70/50/1500 MaternityAetna
HMO Plan 10-30
Aetna HMO Plan 20-40
Aetna HMO Plan 30-40
Aetna EPO 90
Aetna EPO 80
Aetna Basic PPO
Aetna MC Zero 90/60 PPO
Aetna MC $250 90/70 PPO
Aetna MC $500 90/70 PPO
Aetna MC $250 80/60 PPO
Aetna MC $500 80/60 PPO
Aetna mc $500 80/50 PPO
Aetna MC $1000 80/50 PPO
Aetna MC $2000 80/50 PPO
Aetna HSA 2100
Aetna HSA 3000
Aetna Value HMO Value HMO 25-40
Aetna Value HMO Value HMO 15-30
Aetna Value HMO Value HMO 10-20
Blue Cross Saver HMO
Blue Cross Classic HMO
Blue Cross HMO 100
Blue Cross Basic PPO
Blue Cross Hospital BeneFits
Blue Cross Hospital BeneFits Plus
Blue Cross Hospital BeneFits Pref
Blue Cross High Deductible EPO
Blue Cross Saver PPO
Blue Cross PPO 40
Blue Cross PPO 30
Blue Cross PPO 35 GenRx
Blue Cross Power Fund 750
Blue Cross Power Fund 500
Blue Cross Advantage 25 PPO
Blue Cross Premier 20 PPO
Blue Cross Premier 10 PPO
Blue Cross PPO 2400
Blue Cross PPO 3500
Blue Cross PS HMO Power Select HMO
Plan
Blue Shield Access+ HMO 5
Blue Shield Access+ HMO 10
Blue Shield Access+ HMO 15
Blue Shield Access+ HMO 20
Blue Shield Access+ H00025
Blue Shield Access+ HMO 40
Blue Shield Added Advantage POS
300
Blue Shield Pref Sav $1250 Ded
Blue Shield Pref Sav $2250 Ded
Blue Shield Pref Sav $2600 Ded
Blue Shield Spectrum PPO Zero Deductible
Blue Shield Spectrum PPO 250 Premier
Blue Shield Spectrum PPO 250 Standard
Blue Shield Spectrum PPO 500 Value
Blue Shield Spectrum PPO 500 Standard
Blue Shield Spectrum PPO 500 Premier
Blue Shield Spectrum PPO 1000
Blue Shield Spectrum PPO 3000
Blue Shield Active Choice 500
Blue Shield Active Choice 750
Health Net HMO 10
Health Net HMO 15
Health Net HMO 20
Health Net HMO 30
Health Net HMO 35
Health Net HMO 40
Health Net HMO Xtra Value 20
Health Net HMO Xtra Value 40
Health Net Variable Hosp Copay HMO
25
Health Net Variable Hosp Copay HMO
35
Health Net Elect Open Acces 30
Health Net Elect Open Access 25
Health Net Elect Open Access 20
Health Net Elect Open Access 10
Health Net Select 30 POS
Health Net Select 20 POS
Health Net Sel Prem 10 POS
Health Net Saver PPO
Health Net PPO 40
Health Net PPO 35
Health Net PPO 30
Health Net PPO 25
Health Net PPO 20
Health Net PPO 15
Health Net PPO 10
Health Net HSA 2000
Health Net HSA 3000
Health Net Silver HMO 20 Silver
Health Net Silver HMO 40 Silver
Health Net Silver HMO Xtra Value
20 Silver
Health Net Silver HMO Xtra Value
40 Silver
Health Net Salud Salud HMO
Health Net Salud Salud PPO
Kaiser HMO Ded 30/1000
Kaiser HMO Ded 30/1500
Kaiser HMO Plan 5
Kaiser HMO Plan 15
Kaiser HMO Plan 20
Kaiser HMO Plan 30
Kaiser HMO Plan 50
Kaiser Point of Service Plan
Nationwide Plan 1
Nationwide Plan 2
Nationwide Plan 3
Nationwide Plan 4
Nationwide Plan 5
Nationwide Plan 6
PacifiCare HMO 10
PacifiCare HMO 15
PacifiCare HMO 10/500d
PacifiCare HMO 20
PacifiCare HMO 35/600d
PacifiCare POS 15/80-60
PacifiCare PPO 80/60-250
PacifiCare PPO 70/50-250
PacifiCare PPO 80/60-500
PacifiCare PPO 70/50-1000
PacifiCare PPO 35-50/50-1000
PacifiCare PPO 70/50-2000
PacifiCare PPO 70/50-3500
PacifiCare PPO 80/50-2000/freedom
PacifiCare PPO 70/50-2000/freedom
PacifiCare PPO 50/50-3000/freedom
PacifiCare PPO HSA 2700
PacifiCare PPO HSA 3500
PacifiCare PPO HSA 5000
Pacificare Adv HMO HMO 10/500d
Pacificare Adv HMO HMO 35/600d
Sharp Health Plan HMO Plan A
Sharp Health Plan HMO Plan AB
Sharp Health Plan HMO Plan C
Sharp Health Plan HMO Plan AD
Sharp Health Plan HMO Plan AE
Western Health Adv HMO Premier 5
Western Health Adv HMO Premier 10
Western Health Adv HMO Premier 15
Western Health Adv HMO Premier 20
Western Health Adv HMO Advantage
15-30
Western Health Adv HMO Advantage
420
Western Health Adv HMO Advantage
70
Western Health Adv HMO Advantage
30-40
Western Health Adv HMO Advantage
40
Western Health Adv HMO Deductible
1000 |
Health
Insurance Companies by State
Alaska
application Celtic Ins. Co.
application Golden Rule
Alabama
application Celtic Ins. Co.
application Time Insurance Company
application Golden Rule
Arkansas
Celtic Ins. Co.
Golden Rule
application American Medical Security
Life Insurance Company
Arkansas Blue Cross and Blue Shield
Arizona
application Health Net of Arizona
Celtic Ins. Co.
Golden Rule
application PacifiCare of Arizona
Time Insurance Company
American Medical Security Life Insurance
Company
application Humana
Aetna
application CIGNA
LifeWise Health Plan of Arizona
California
application Blue Shield of California
Blue Cross of California
application PacifiCare
application Health Net
application Kaiser Permanente of
CA
application Time Insurance Company
Aetna
Colorado
application Kaiser Permanente
American Medical Security Life Insurance
Company
Anthem BlueCross BlueShield
Celtic Ins. Co.
Golden Rule
PacifiCare
Humana
Connecticut
Celtic Ins. Co.
Golden Rule
Anthem Blue Cross and Blue Shield
of CT
Aetna
Dist. of Columbia
Celtic Ins. Co.
CareFirst BlueCross BlueShield
Aetna
Time Insurance Company
application Kaiser Mid-Atlantic
Delaware
Golden Rule
American Medical Security Life Insurance
Company
Celtic Ins. Co.
Aetna
Florida
Golden Rule
Celtic Ins. Co.
Time Insurance Company
Vista Healthplan of South Florida
Humana
Aetna
Georgia
Kaiser Permanente
Celtic Ins. Co.
Golden Rule
Blue Cross Blue Shield of Georgia
Humana
Time Insurance Company
Aetna
Hawaii
Kaiser Permanente of HI
Iowa
Celtic Ins. Co.
American Medical Security Life Insurance
Company
Golden Rule
Idaho
Blue Cross of Idaho
Time Insurance Company
Regence BlueShield
Illinois
Celtic Ins. Co.
UNICARE
Golden Rule
application BlueCross BlueShield
of Illinois
American Medical Security Life Insurance
Company
Humana
Time Insurance Company
Aetna
Indiana
application Anthem Blue Cross and
Blue Shield
UNICARE
Golden Rule
Celtic Ins. Co.
Kansas
BlueCross BlueShield of Kansas City
Celtic Ins. Co.
Humana
Kentucky
Anthem Blue Cross and Blue Shield
Humana
Golden Rule
Louisiana
Celtic Ins. Co.
Time Insurance Company
Humana
BlueCross BlueShield of Louisiana
Maryland
CareFirst BlueCross BlueShield
Golden Rule
Aetna
Kaiser Mid-Atlantic
Michigan
American Medical Security Life Insurance
Company
Celtic Ins. Co.
Golden Rule
Time Insurance Company
Blue Cross Blue Shield of Michigan
Humana
UNICARE
Minnesota
Blue Cross and Blue Shield of Minnesota
HealthPartners
Medica of Minnesota
Missouri
Blue Cross Blue Shield of Missouri
American Medical Security Life Insurance
Company
Golden Rule
Celtic Ins. Co.
BlueCross BlueShield of Kansas City
Humana
Mississippi
Celtic Ins. Co.
Golden Rule
Montana
Celtic Ins. Co.
Time Insurance Company
BlueCross BlueShield of Montana
North Carolina
American Medical Security Life Insurance
Company
Celtic Ins. Co.
Time Insurance Company
North Dakota
Time Insurance Company
Nebraska
BlueCross BlueShield of Nebraska
Celtic Ins. Co.
Golden Rule
American Medical Security Life Insurance
Company
New Hampshire
Celtic Ins. Co.
New Jersey
Horizon Blue Cross Blue Shield of
New Jersey
Oxford Health Plans, Inc.
New Mexico
American Medical Security Life Insurance
Company
Celtic Ins. Co.
Blue Cross Blue Shield of New Mexico
Nevada
Anthem BlueCross BlueShield
Health Plan of Nevada
Celtic Ins. Co.
PacifiCare of Nevada
New York
Group Health Incorporated
Ohio
Anthem Blue Cross and Blue Shield
Celtic Ins. Co.
Golden Rule
American Medical Security Life Insurance
Company
Kaiser Permanente of Ohio
Medical Mutual
Humana
Time Insurance Company
Aetna
HealthAmerica
Oklahoma
Celtic Ins. Co.
Golden Rule
American Medical Security Life Insurance
Company
Oregon
Regence BlueCross BlueShield of
Oregon
Health Net of Oregon
LifeWise Health Plan of Oregon
Kaiser Permanente
PacifiCare of Oregon
Pennsylvania
Celtic Ins. Co.
Golden Rule
American Medical Security Life Insurance
Company
Time Insurance Company
Aetna
HealthAmerica
South Carolina
Celtic Ins. Co.
Blue Cross and Blue Shield of South
Carolina
Golden Rule
South Dakota
Celtic Ins. Co.
Medica
Tennessee
American Medical Security Life Insurance
Company
Golden Rule
BlueCross BlueShield of Tennessee
Celtic Ins. Co.
Humana
Texas
Celtic Insurance Company
UNICARE Life & Health Insurance
Company
Golden Rule Insurance Company
Time Insurance Company
Blue Cross and Blue Shield of Texas,
A Division OF Health Care Service
Corporation
Humana Insurance Company
Aetna Life Insurance Company
Utah
Intermountain Health Care
Regence BlueCross BlueShield of
Utah
American Medical Security Life Insurance
Company
Virginia
Golden Rule
UNICARE
Anthem Blue Cross and Blue Shield
CareFirst BlueCross BlueShield
Aetna
Kaiser Mid-Atlantic
Washington
LifeWise Health Plan of Washington
Group Health Cooperative
Regence BlueShield
Regence BlueCross BlueShield of
Oregon
Wisconsin
American Medical Security Life Insurance
Company
Celtic Ins. Co.
Golden Rule
Blue Cross Blue Shield of Wisconsin
Humana
Wyoming
Celtic Ins. Co.
Time Insurance Company
|
|
Please Note: The information
contained in this Web site is provided
solely as a source of general information
and resource. It is a not a statement
of contract and coverage may not apply
in all areas or circumstances. For a complete
description of coverages, always read
the insurance policy, including all endorsements
Medicare Rx
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