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