| In today's world of skyrocketing medical | | | | plans are the least flexible and the least |
| costs, health insurance is a necessity. But | | | | expensive health insurance plans. |
| you don't have to pay an arm and a leg to get | | | | |
| it. Here's how to get the best rate on | | | | Which Plan is Best? |
| Illinois health insurance. | | | | |
| | | | The best health insurance plan is a plan that |
| Types of Health Insurance | | | | will give you the coverage you need at a |
| | | | price you can afford. Before you purchase a |
| There are two types of health insurance plans | | | | health insurance plan make sure it pays for: |
| - indemnity plans (also known as | | | | |
| fee-for-service plans), and managed health | | | | * Visits to a doctor's office and for a |
| care plans (HMOs, PPOs, and POSs) | | | | doctor's hospital visits. |
| | | | |
| Indemnity Plans | | | | * Hospital room and board plus other hospital |
| | | | expenses. |
| Indemnity allow you to use the doctors and | | | | |
| hospitals of your choice. These plans | | | | * Surgeons fees and surgical costs. |
| reimburse you for all or most of your medical | | | | |
| expenses after you pay a deductible of $500 | | | | * Prescriptions drugs |
| to $2,000. Indemnity plans are the most | | | | |
| flexible health insurance plans and the most | | | | * Any medical expenses you now need or think |
| expensive plans. | | | | you may need in the future. |
| | | | |
| Managed Health Care Plans | | | | Best Rates on Illinois Health Insurance |
| | | | |
| Managed health care plans assign you to a | | | | In order to get the best best rate on |
| network of doctors and hospitals that you | | | | Illinois health insurance, you need to shop |
| must use for your medical care. These plans | | | | around and get several rate quotes from |
| pay for all your medical expenses, and you're | | | | different companies. The easiest way to do |
| responsible for paying a co-payment of $5 to | | | | that is to go to an insurance comparison |
| $10 per doctor visit. Managed health care | | | | website (see link below). |