| Thanks to sky-high medical costs, medical | | | | Managed care plans vary greatly in benefits and |
| insurance rates have gone through the roof. So | | | | out-of-pocket expenses. And similar plans from |
| how can you get cheap medical insurance quotes | | | | different companies can vary by $1,000 or more, |
| from reputable companies? Here's how ... | | | | so it's important to compare plans from a number |
| Cheap Medical Insurance | | | | of different companies then carefully review each |
| Just a few years ago the only choice you had for | | | | plan to get the best policy for your situation. |
| medical insurance was a Fee-For-Service plan, also | | | | Cheap Medical Insurance Quotes |
| known as an indemnity plan. With this plan you | | | | With the advent of the Internet you can now go |
| had to pay for your medical services, fill out a | | | | online and get medical insurance quotes in just a |
| bunch of forms, then wait to be reimbursed. | | | | matter of minutes. The easiest way to do this is |
| These plans only covered "reasonable and | | | | to go to an insurance comparison website where |
| customary" expenses, and were very expensive. | | | | you fill out a single questionnaire to get multiple |
| Fee-For-Service plans are still around today but | | | | quotes from different companies. It's quick, it's |
| they're nowhere near as popular as managed | | | | easy, and it's free. |
| health care plans - HMOs, PPOs, and POSs. These | | | | Some of these websites offer insurance tips and |
| plans set you up with a network of health care | | | | advice, and some even have a chat feature |
| providers and hospitals for which you pay a | | | | where you can get answers to your medical |
| monthly fee and a small copayment for each | | | | insurance questions from an expert. (See link |
| doctor visit. | | | | below). |
| HMOs (Health Maintenance Organizations) are the | | | | Bottom Line |
| cheapest of these plans, but you can only see | | | | In this era of sky-high medical costs, medical |
| doctors within your network. PPOs (Preferred | | | | insurance is something you need and something |
| Provider Organizations) and POSs (Point-of-Service | | | | you'll be spending money on for years to come. |
| Plans) cost a little more but you have the option | | | | So doesn't it make sense to spend a few minutes |
| of seeing physicians outside your network. | | | | online to get the cheapest quote you can? |