Independent Health Insurance is the same as private health insurance and is available in policies that cover both separate individuals and families. To choose which health insurance policy is right for you, HealthPlans.com recommends shopping around and pricing out both options, especially when you are looking for coverage for the whole family. HealthPlans.com can help you in your search. By filling out a few key details such as your location and some basic health information, HealthPlans.com will narrow your plan selections to those for which you qualify and show you the costs.
Some questions to ask yourself as you go through the process of comparing Independent Health Insurance plans:
What health and medical services will you need? While this is sometimes hard to predict, you can often estimate the basic number of visits you will need. Some services to consider are a yearly physical, well-baby and well-child visits if you have kids, a female OBGYN visit or mammogram, the medications you take. The amount of coverage you need will depend on your answer to this question.
Do you want to choose your own doctor? Some plans only cover visits to “in-network” providers. You can choose your own doctor with most plans but your options may be limited with low-cost or HMO plans. If you have a doctor you like, make sure to check if they are an in-network provider for the plan you are looking at. If they are not, you may end up having to pay out of pocket for services.
What is the total cost of the plan? Make sure to take into account all four aspects of individual health insurance costs: monthly premiums, yearly deductibles, Visit co-pays and co-insurance (the amount of each service you are responsible for covering).
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