Etotal Insurance is the fastest and easiest way to compare health insurance quotes!
If you have ever been sick or injured, you know just how important it is to have health coverage. Health insurance pays for all tings big and small, and will give you peace of mind that if anything does happen to you or your family, you are protected. With health insurance coverage you can feel confident in knowing that you will never have to burden the cost of a high priced procedure.
The well being of your family and yourself is important, which is why eTotal Insurance is dedicated to helping you find the very best plan. Health insurance can be confusing, especially when looking for a personal plan; we want to be there to provide you with information about different types of policies, and advice on how to compare one policy with another. eTotal Insurance will help you save time and money by bringing you affordable health insurance quotes from the highest rated insruance companies in your area. For many people, purchasing health insurance on your own, for the first time can be a confusing and intimidating process.
Who Needs Health Insurance?
Health insurance is one type of insurance that you are guaranteed to use. No matter your age or health condition, there is a time when you will need health insurance for you or your family members. The number one reason to have health insurance is to protect you and your family against unpredictable accidents and injuries that life can throw your way. Fortunately, eTotal Insurance is dedicated to helping you find the best health insurance rates to cover you and your family.
Types of Health Insurance
In order to choose the best policy, it is important to understand the different types of health insurance. There are five different types of health insurance plans to choose from, each of them slightly different from the next to suit each individuals needs. The five types of health insurance plans include:
- Indemnity health insurance plans, which are also called fee-for-service plans
- preferred Provider Organization (PPO)
- Point of Service Organization (PSO)
- Health maintenance Organization (HMO)
- Health Savings Account (HSA)
An indemnity health insurance plan sits on one side of the spectrum while an HMO sits on the other. In between an indemnity health insurance plan and an HMO are the PPO and POS plan, which combine features of both an indemnity plan and an HMO plan. An HSA plan is new as of 2003 and combines a high deductible health plan with a tax-advantage savings account. For more detailed information about specific health insurance plans, please read Total Health Insurance.
Where to get Coverage
Often times Americans will receive healthcare coverage through their employer. In many cases large companies and employers will negotiate health care rates and pay a percentage of the premiums for their employees. On the other hand there many of Americans who do not have the option of an employer health care plan and are left to find health insurance on their own. Buying individual health insurance allows you to choose a plan that fits your specific needs. Each company that offers individual health insurance will have different rates, so when shopping for yous or your family’s plan it is imperative to do your research and comparison shop. When evaluating different policies, it is important to consider which medical services are covered, and the cost of deductibles, coinsurance and copayments.
Often, the decision will come down to the tradeoff between flexibility and cost. If you don’t want any restrictions on the doctors or hospitals you can go to for care, an indemnity plan or a plan that at least provides some out-of-network coverage is probably the way to go. If you’re willing to sacrifice some choice in exchange for a plan that’s less costly, you might be better off with an HMO. Maybe a Health Savings Account (HAS) tied to a high-deductible health plan is best for you.
eTotal Insurance health
Using eTotal Insurance to research health insurance plans, companies, and comparison shop is the best way to be positive that you are getting the best plan for you and your family. Take advantage of the materials eTotal Insurance offers to you free of charge to help you decide which plan you would like to go with. Then simply type your zip code into the eTotal Insurance quote finder to comparison shop for the best plan in your area. eTotal Insurance is your stop shop to finding the best health insurance plans available to you!