Immediate Health Insurance Quotes
 
Quotes from America's top health insurers for both individual and small group plans is now being offered by QuoteNavigator.com.  We believe shopping for competitive insurance plans has never been easier or more informative. To get started, click here now and discover the QuoteNavigator difference to purchasing insurance.

Making Sense of it All

When people talk about insurance, they usually mean the kind of insurance offered by employers to employees, the kind that covers medical bills, surgery, and hospital expenses. You may have heard this kind of insurance referred to as comprehensive or major medical policies, alluding to the broad protection they offer. But the fact is, neither of these terms is particularly helpful to the consumer.

Today, when people talk about broad health care coverage, instead of using the term "major medical," they are more likely to refer to fee-for-service or managed care. These terms apply to different kinds of coverage or health plans. Moreover, you’ll also hear about specific kinds of managed care plans: health maintenance organizations or HMOs, preferred provider organizations or PPOs, and point-of-service or POS plans.

While fee-for-service and managed care plans differ in important ways, in some ways they are similar. Both cover an array of medical, surgical, and hospital expenses. Most offer some coverage for prescription drugs, and some include coverage for dentists and other providers. But there are many important differences that will make one or the other form of coverage the right one for you.

If you have ever been sick or injured, you know how important it is to have coverage. But if you’re confused about what kind is best for you, you’re not alone.

What types of coverage are available? If your employer offers you a choice of plans, what should you know before making a decision? In addition to coverage for medical expenses, do you need some other kind of insurance? What if you are too ill to work? Or, if you are over 65,will Medicare pay for all your medical expenses?

These are questions that today’s consumers are asking; and these questions aren’t necessarily easy to answer.

The booklet, Insurance Basics, should help. It discusses the basic forms of coverage and includes a checklist to help you compare plans. It answers some commonly asked questions and also includes thumbnail descriptions of other forms of insurance, including hospital-surgical policies, specified disease policies, catastrophic coverage, hospital indemnity insurance, and disability, long-term care, and Medicare supplement insurance.

While we know that our guide can’t answer all your questions, we think it will help you make the right decisions for yourself, your family, and even your business.



Get Started Now

 


design by Tovey
www.quotenavigator.com Copyright (C) 1999, QuoteNavigator.com
QuoteNavigator (TM) is a trademark of QuoteNavigator.com