Where To Get A Discount Health Insurance Plan - By: Magnus Lauri

The first place to go to find a discount health insurance plan is your state's insurance department website. Most states have low-cost and no-cost plans for low income individuals and families, children whose parents cannot afford health insurance, pregnant women, and the elderly.

To find out if you qualify for a state-sponsored health insurance program, visit your state's department of insurance website by doing an Internet search for "(your state's name here) department of insurance."

Private Health Insurance Plans

There are four types of private health insurance plans:

HMOs (Health Maintenance Organizations) are the cheapest plans because you are assigned to a network of hospitals and doctors you must use for your medical care. With these plans you pay a monthly premium plus a $5 to $10 co-payment for each doctor visit.

PPOs (Preferred Provider Organizations) and POSs (Point-of-Service plans) cost slightly more than HMOs, because although you're assigned to a network of doctors and hospitals you can use a non-network doctor or hospital for an additional fee. With a PPO you pay your medical expenses when services are rendered. With a POS you pay a monthly premium and an $5 to $10 co-payment for each doctor visit.

Indemnity, or Fee-For-Service plans, are by far the most expensive health insurance plan because you can use the hospital and doctor of your choice. You pay a monthly premium for the plan, and a deductible of usually $500 to $2,000 before your insurer will pay your medical bills.

Where to Get a Discount Health Insurance Plan

The easiest way to get a discount health insurance plan is to go to an insurance comparison website where you can get rate quotes from a number of insurance companies then compare rates and choose the cheapest one.

The first place to go to find a discount health insurance plan is your state's insurance department website. Most states have low-cost and no-cost plans for low income individuals and families, children whose parents cannot afford health insurance, pregnant women, and the elderly.

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