insurance pre license education

insurance pre license education
Do you have any questions regarding health insurance? Here are the top-10-Health Insurance Questions and Answers:

1. What kind of health insurance plans are there?

There are two basic types of health insurance plans - Compensation and managed health plans. Indemnity plans let your own doctor, while managed health care plans - HMOs, postal operators and POSS - assign to a network of doctors and hospitals. Managed health care are less flexible, but much cheaper than compensation plans.

2. What is an HMO?

With an HMO, you pay a monthly premium for which you are on a network of doctors, specialists and hospitals, your health care. A primary care doctor monitors your care and you can only see doctors in your network. Prescriptions May completely or partially covered and generally require a supplement of $ 5 to $ 10 This is the cheapest type of health insurance.

3. What is a PPO?

A PPO is similar to an HMO, but it allows you to visit non-network doctors without a referral from your primary care physician. You may have the costs for non-network doctors charge, then partial reimbursement from your PPO provider. Co-payments are typically $ 5 to $ 10, and this plan will cost little more than an HMO.

4. What is a POS?

A POS is a combination of HMO and POS plan. You choose a primary care physician in your network, but you can also use doctors outside the network. If your primary care doctor refers to a doctor outside of your POS vendor pays the costs of the proceeding. This is the most flexible and the most expensive of the three managed health care plans.

5. What is a deductible?

A deductible is the amount you pay before an insurance claim to pay.

6. What's coinsurance?

Coinsurance is the percentage of medical expenses you have to pay after you pay your deductible.

7. What is a co-payment?

A supplement is the amount you pay when you consult a physician.

8. How do I choose a health insurance plan?

Ideally, you want to select a plan that gives you the level of benefits for the least money. If you wish, to your current doctor, find out which plans he or she is associated with. And if you have special medical needs, make sure that the plan is for these needs.

Other things that when choosing a health insurance plan are:

* What are the co-payments, deductibles and coinsurances?

* Is the plan for pre-existing conditions?

* What is the waiting period for the existing conditions?

* If the insurance me good service?

9. Where can I get cheap health insurance?

Insurance premiums vary greatly from one company to another, so you want to receive offers from different companies to find the best price.

The fastest way to make offerings of various companies is to go to an insurance comparison website. You fill out a short questionnaire to receive your offers. The best comparison sites only with A-rated insurance companies, so you know, you are a reputable company. They also have an insurance expert on call to answer your questions. (See link below.)

10. How do I know I'm always a reliable health insurance?

One of the best places you in an insurance company, your state department of insurance website. Visit JD Power & Associate's website (jdpower.com) to consumer ratings on insurance companies and AM Best website (ambest.com) to financial assessments.

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to cheap health insurance offers from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.

The author, Brian Stevens, is a former insurance agent and financial adviser, elaborated on the issues of health insurance.