John Smith of Miami, FL
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Finding an affordable health insurance plan that meets your needs doesn’t have to be difficult. Actually, it should be as easy and seamless as using any website to buy a product. Health Care Market Quotes simplifies the healthcare buying process by connecting you to the right agents for your situation. We strive to provide affordable health coverage options that will meet your needs and budget.
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An affordable health insurance plan that covers all your needs is available today. Explore your options online or talk to a licensed agent now to get coverage for 2021.
Health Insurance Plan Types
Private Health Insurance
When referring to “private health insurance” we are referring to any health insurance plan that is not through state or federal government. Instead it is offered through a company, broker or other private entity. Some private plans have benefits that meet the minimum essential coverage requirements of the ACA(Obamacare). Some plans such as short-term health plans or plans that offer catastrophic coverage, may offer extra benefits, but most likely will not meet the ACA requirements.
COBRA isn’t actually insurance. It’s a law. The Consolidated Omnibus Budget Reconciliation Act allows an eligible employee and their dependents to continue their current group coverage for 18 months after their employment stops. While COBRA can be expensive, we recommend speaking to an agent before opting out of those options.
A HMO or Health Maintenance Organization have some upsides and downsides to them. The main benefit is in most cases HMOs have lower premiums than PPOs. You will have to choose a PCP or Primary Care physician. You will have to go to him for everything and if you want to see a specialist you will need to go to your PCP first and get a referral. You have no out of network coverage so you will only have access to the doctors in your network.
A PPO or a Preferred Provider Organization will have a slightly higher cost in most cases than an HMO. But there are many benefits to using a PPO network. The most obvious is that you do not have a PCP, so you can choose which doctor you go see. You can also go directly to see a specialist without a referral. With as PPO plan you have access to out-of-network coverage. But check to see because the coverage usually changes.
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John Smith of Miami, FL