When you are looking for health insurance you need to deal with a professional, someone who specializes with the type of policy that fits your families needs and budget. It is very important to understand the different insurance options you have before making a decision. There are 3 main types of health insurance; PPO’s, HMO’s, and Traditional Plans.

• PPO

  The PPO (Preferred Provider Organization) is a managed care plan that allows and individual choice of any doctor in a network. You may also see doctors out of network but will pay a larger percentage of the bill.

  Typically PPO’s offer an annual deductible of $500, $1000, $1500, $2500 or more. After this deductible is met the insurance company will pay a percentage of the bill (for example they pay 80% you pay 20%). This coinsurance has a maximum out of pocket, and after that is reached the insurance company pays 100% of the bill for the year.

  Some PPO plans offer additional benefits such as Co-pays for doctor visits, Preventative care, Maternity Coverage, Disability and Life Insurance

• HMO

  Health Maintenance Organizations represent a "pre-paid" insurance plan in which individuals or their employers pay a fixed monthly fee for services, instead of a separate charge for each visit or service. The monthly fees remain the same, regardless of types or levels of services provided, Services are provided by physicians who are employed by, or under contract with, the HMO. HMOs vary in design. Depending on the type of the HMO, services may be provided in a central facility. HMO’s have strict networks of doctors and the individuals care is “managed” through the Primary Care Physician and by the insurance company.

• Traditional

  Indemnity health insurance plans are also called "fee-for-service." These are the types of plans that primarily existed before the rise of HMOs and PPOs. With indemnity plans there are no networks of doctors or hospitals, and it is a non managed care plan. The fees for services are defined by the providers and vary from physician to physician. These Traditional Plans are set up much like a PPO where there is a deductible, a coinsurance, and a maximum out of pocket. Indemnity health plans offer individuals the greatest freedom of choice.

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Getting free Group Health Insurance Quotes allows you the opportunity to find out if your current health plan is up to par. It will also allow you to evaluate several other plans, to help you make an informed decision about the future of group health insurance coverage at the workplace. If you are starting a new health plan, then getting Group Health Insurance Quotes are a must!

Group health insurance coverage can keep your payroll afloat. Potential employees are often attracted to employers with a variety of benefits. Employees often see this as a sign that the business is prosperous and not on its way out. Most of time, potential employees are looking to see if you have group health insurance, otherwise they may somewhere else for less.

For your business to qualify for Group Health Insurance, most states require that you have at least two employees. Many people have been misled, believing that spousal run businesses are not eligible for Group Health Insurance. This is not the case, many healthcare companies will offer you coverage.

roup Health Insurance may be the only affordable health coverage for your employees. It is the only way for employees to be covered for maternity immediately, unless they already have an individual health insurance policy in force for at least a year. Also, the more employees you have, the less risk for your health insurance carrier, thus reducing adverse selection. This in many cases, will lower the premium per employee.

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If you are self employed you look at health insurance completely differently than you do as an employee. Health insurance to a self employed person is a business decision, not a benefit. Being self employed you must have health insurance to protect your business, and now that self employed people can deduct 100% of their health insurance premiums it makes it a lot more affordable.

When looking for health insurance as a self employed individual you don’t have to worry about anyone elses needs but you and your families. This gives you a lot of flexability and options of health plans. For example if you are a family that uses lots of physician visits and preventative medacine, and HMO or PPO is probably the best plan for you. If you are someone that hardly sees doctors but wants the coverage “just in Case” than a Traditional or Indemnity Plan is for you.

At QuicklyQuoteMe we have many agents that only deal with our self employed clients. They can offer you HMO’s, PPO’s and Traditional Health Insurance Plans. Our agents will work with you one on one to put together the type of plan that makes business sense to you but is also affordable.

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There are two main types of Temporary insurance; Travel Insurance and Short Term Insurance. All of these are different quite different types of insurance and it is important to understand when to buy these, what they do and do not cover, what are your other options and is this the right type of insurance for your needs?

• Travel Insurance is much more than just protection while in the air or on the bus. Your coverage can include any of the following: trip cancellation, hazardous sports and activities, Accidental Death & Dismemberment, emergency evacuation, travel baggage protection, terrorist protection, emergency reunion, trip interruption, multi-trip, and repatriation benefits!

  Whether you are a frequent flyer or a occasional traveler, trip cancellations are a fact of life. The Trip Cancellation Insurance policy can protect you if you cancel your paid flight, beforehand, due to sickness, disability, legal hearings, and even death. You never know when a unpredictable event could cause you to cancel that personal or business trip.

  It is important to know that insurance you currently have does not typically cover you out of the country. And if the policy you have does, often there are limits on how many day you can be gone for.

• Short Term Health Insurance - Have you recently left your current employer or are without health insurance at work? If so then get free health insurance quotes often referred as Temporary Health Insurance or Cobra Alternative

  Short Term Health Insurance is also good filler if you find yourself in between jobs, especially if you are looking for medical health coverage that may be cheaper than Cobra (Consolidated Omnibus Budget Reconciliation Act). It provides coverage for sickness and accidents that may occur while your policy is enforce.

  You will have to pay out of pocket expenses, including deductible and co-insurance. While the short term health insurance policy usually does not cover pre-existing conditions, its main purpose to offer coverage for future ailments that may occur.

  Most plans are not renewable, but may allow you to reapply after your coverage period is over. Can be great coverage for those who are part-time employees, or a employer who does not offer a group health insurance plan.

  At QuicklyQuoteMe we understand that what you are looking for relative to coverage might be completely different than what you have or have been offered. We will put you in contact with a local agent that specializes in affordable, short term policies. You will have options of HMO’s, PPO’s, or Traditional Health Insurance Plans including Catastrophic and Major Medical.

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