Tag Archives: Brian Stevens

California Health Insurance – How to Get the Best Rate

More than 21% of Californians do not have health insurance. If you’re one of these people, you risk losing everything you own if you become sick with a major illness and cannot pay your medical bills. Here’s how to get cheap California health insurance with a reliable company.

Research Private Health Insurance Plans

With 67% of businesses in California offering health insurance to their employees, many Californians receive health insurance through their employers. If you don’t have access to an employer insurance plan, private health insurance plans are a good option.

Health Maintenance Organization (HMO) plans are the least expensive, and most popular health insurance option. With an HMO, you must choose a doctor and hospital that are in the HMOs insurance network and you may need approval before visiting a specialist.

Another popular, but slightly more expensive plan, is a Preferred Provider Organization (PPO). PPOs provide comprehensive health services. You still must choose a doctor and hospital that are part of the PPO’s network, but you may see a doctor or specialist of your choosing by paying more for his or her services.

Choose a Health Insurance Company With the Best Rate

No matter what type of health insurance you decide to buy, the best way to find the best rate on California health insurance is to go online to an insurance comparison website. On this website, you’ll fill out a simple form with information about yourself and your insurance needs. Multiple A-rated health insurance companies will then send you quotes that you can compare.

The best comparison websites even let you talk online with insurance professionals so you can ask questions and make sure you get the best health insurance at the best price (see link below).

Visit or click on the following link to get California health insurance rate quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on finding the best California health insurance rate quotes.

Where to Get Low Cost Minnesota Health Insurance

Looking for a health insurance plan in Minnesota that won’t cost you an arm and a leg? Here’s how to find low cost Minnesota health insurance with a reliable carrier.

Minnesota State Health Insurance

Minnesota has a number of state-sponsored insurance programs for low income individuals and families. These include:

* The Minnesota Medical Assistance program, which provides health care for low income Minnesotans. This program is different than Medicare which is a federally sponsored program for people over 65 and people with disabilities.

* The Minnesota General Assistance Medical Care program, which provides health care for low income Minnesotans who are not eligible for state sponsored or federally sponsored health care programs.

* The Minnesota Care Plan, which provides health care for low income, uninsured working Minnesotans.

For more information about these Minnesota health insurance programs call your county’s human services agency, or go to the Minnesota Department of Health Website at: health.state.mn.us/healthcare.html.

Private Health Insurance

There are two types of health insurance plans that are available in Minnesota. They are:

* Fee-for-service plans (also known as indemnity plans), which pay for all or most of your doctor fees, hospital fees, and prescription drug costs after you pay a deductible (usually $500 to $2,000). These plans let you choose your doctor and hospital and are the most expensive of the health care plans.

* Managed health care plans, including HMOs, PPOs, and POSs, which pay for your your doctor fees, hospital fees, and prescription drug costs after you pay a co-payment (usually $5 to $10 per doctor visit). With these plans you are assigned to a network of doctors and hospitals. PPOs and POSs let you use a non-network doctor or hospital for an additional fee. HMOs are the cheapest of all the health care plans, followed by PPOs and POSs.

Low Cost Health Insurance

To get low cost health insurance you need to shop rates. The easiest way to do that is to go online to an insurance comparison website.

Visit or click on the following link to get low cost Minnesota health insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get low cost Minnesota health insurance.

Where to Get Affordable Health Insurance in Philadelphia

Health insurance costs are on the rise, but you can still get affordable health insurance in Philadelphia if you know where to look. Here’s how …

What types of health insurance are available?

There are two types of health insurance available in Philadelphia:

1. Government Health Insurance Programs

Medical Assistance (Medicaid) – This is a federal health insurance program administered by the state that provides medical care for low-income Philadelphians, pregnant women, children, elderly adults, disabled adults, and people caring for a disabled family member.

adultBasic – This is a state health insurance program for low-income adults who cannot afford private health insurance. This program provides preventive care, doctors services, and hospital coverage.

Chip (Children’s Health Insurance Program) – This is a state health insurance program that provides medical care for uninsured children and teenagers who are not eligible for Medicaid.

For more information on these federal and state programs, visit Pennsylvania’s Department of Public Welfare website at: dpw.state.pa.us

2. Private Health Insurance Plans

Private health insurance plans include:

* Fee-For-Service (FFS) plan – This is a health insurance plan that pays for doctor services, hospital fees, and prescription drugs. With this plan you may choose your doctor and hospital. You are reimbursed for a percentage of your medical expenses (usually 80%) after you pay a deductible ($500 to $2,000). FFS plans are the most expensive health insurance plans.

*Managed Health Care Plans (HMOs, PPOs, POSs) – These plans pay for doctor services, hospital fees, and prescription drugs, but may also pay for preventive care such as health care clinics and fitness center discounts. With these plans you are assigned to a health care network of doctors and hospitals. You pay a co-payment (usually $5 to $10) for each doctor visit. HMOs are the cheapest health insurance plans, followed by PPOs then POSs.

Where can I get affordable health insurance in Philadelphia?

You can get affordable health insurance by going to an online insurance comparison website. There you’ll receive health insurance quotes from a number of companies and can choose the cheapest one.

Visit or click on the following link to get affordable Pennsylvania health insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on where to get affordable health insurance in Pennsylvania.

HMO Health Insurance – Where to Get the Best Rate

In the market for health insurance? Want to know where to get the best rate on HMO health insurance? Here’s where …

What is HMO health insurance?

An HMO (health maintenance organization) is a group of doctors and lawyers that offer their services through an insurance company at a fixed rate. You pay a monthly premium for the plan, plus a co-payment (usually $5 to $15) each time you visit a doctor.

When you join an HMO you are required to choose a primary care physician who is part of the organization, to oversee your health care. When you need to see a specialist you must first get permission from your primary care physician.

What do HMOs cover?

These plans pay for your doctor visits, prescription costs, hospitals bills, surgeries, lab work, and X-rays.

How expensive are they?

HMOs are the least expensive of all the comprehensive medical plans. For example, the premium for a 30-year-old can vary from $160 to $400 per month depending on which company you choose.

What are the advantages of an HMO?

* They are easy to use and understand

* There are no claims to file and paperwork is minimal

* Out-of-pocket expenses are low

What are the disadvantages?

* These plans only allow you to use doctors and specialists within the organization

* To see a specialist you must get a referral from your primary care physician

Where can I get the best rate?

As with anything else you purchase, the best way to get the best price is to compare prices. Thanks to insurance comparison websites, you can now get quotes from a number of A-rated companies in a matter of minutes all on one site n the comfort of your own home (see link below).

Visit or click on the following link to get HMO health insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on HMO health insurance.

How to Get the Best Health Insurance Price

Health insurance is a must in today’s climate of rising health care costs. If you aren’t fortunate enough to receive health insurance through your employer, here’s how to get the best price on health insurance on your own.

What Kind of Health Insurance Do You Need?

You don’t want to pay for more health insurance than you need, but you do want to make sure you are protected. The first thing you need to do is decide what kind of health insurance you need. Begin by asking yourself these questions:

* How much can I pay for co-payments and deductibles? The higher you set these items, the lower your premiums will be, but you need to make sure you can pay them.

* Do I need short term or long term health insurance? If you expect to get a job that will include health insurance, short term health insurance will cover you until your employer plan begins.

* Do I need basic or comprehensive coverage? Basic coverage covers hospitalization and inpatient/outpatient surgery, while comprehensive coverage can also include doctor visits, preventative care, and prescriptions.

* Do I have a particular doctor or hospital I prefer? You’ll want to make sure your preferred doctor and hospital accepts your insurance.

Find the Best Price on Health Insurance

Now you can start looking for the best price on health insurance. Begin your search by going to an insurance comparison website. These websites make it fast and easy for you to get and compare quotes from different insurance companies. All you do is fill out one simple form with information about yourself and your insurance needs, and you’ll soon get quotes from multiple A-rated health insurance companies.

On the best insurance comparison websites, you can even talk with insurance professionals, online or by phone, and get answers to all your health insurance questions. (See link below.)

Visit or click on the following link to get health insurance price quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on finding the best health insurance price.