What is Health Insurance?
And why you need itHealth insurance plans help cover expenses in case of medical emergencies, and help you stay on top of preventative health-care services. Health insurance coverage can save you money on doctor’s visits, preventative care, prescription drugs, and more.
Health Insurance Basics
Types of life insurance| Health Insurance Type | Coverage | Other benefits | Premiums |
|---|---|---|---|
| ACA | Doctor visits, hospital care, prescriptions, pregnancy, childbirth, mental health, and more | No denial for preexisting conditions, no time limits | Average monthly premium of $400 |
| HMO | Limited to providers in network. Visits, tests, treatments are usually limited. | Usually lower cost | Generally lower premium, no or low deductible |
| PPO | Few restrictions out of network, but benefits better in network. | More flexible than HMO. | Usually higher premium, and some deductible |
Who needs Health Insurance?
Health risks and uncertainty are a part of life, so everyone should have some type of coverage. Health Insurance provides essential financial assistance in times of medical emergencies. Insurance can reimburse the insured for expenses incurred from injury or illness. Insurers can also pay the provider directly.
What type of Health Insurance should I get?
Each situation is unique to the insured. Determine whether you prefer more coverage and higher premiums, or lower premiums and higher out-of-pocket costs. Also, make sure your plan will pay for necessary care. Speak with an agent to find the perfect plan.
Let’s get you some insurance
Prefer to talk? Call us at 855-COVER-99
Frequently Asked Questions
At InsurancePlans, we offer insurance plans of all kinds. This includes Medicare, health, life, auto, and home.
Each family has a very specific lifestyle and income. InsurancePlans instantly shops and compares rates for you to find the coverage that best fits your unique needs and budget.
We can help you find insurance plans of all kinds. We represent many top-rated insurance companies. You can be sure to find the plan that matches your unique need.
InsurancePlans is your one stop for medical coverage. The difference is that it’s our top priority to give you peace of mind that you and your family are protected.
InsurancePlans is not an insurance company. We shop some of the most trusted insurance companies on your behalf, making the process simple and convenient.
World Class Service
Don’t just take our word for it
“ It was fast and easy!
It was fast and easy! I was becoming overwhelmed juggling so many insurance plan options. With InsurancePlans the agent put my mind at ease and made the whole process simple and quick. I feel so much better, and I KNOW I have found the best plan for me.
“ It was fast and easy!
I normally dread working with people over the phone, but I had a great experience from beginning to end. Everyone I spoke with was kind, knowledgeable, helpful, understanding, and a pleasure to talk to. It was all help and positivity. I was kept informed and updated throughout the process of finding the right insurance plan.
“ It was fast and easy!
Great rates, super simple. At first, I was concerned the rate I was given was inaccurate. I couldn’t believe it- the final rate was as quoted. The customer service was great and their follow up is amazing. I would highly recommend to anyone looking for insurance.