Health Insurance

Online Guide to
Health Insurance

Life Insurance Calculator
How much life insurance
do you need? Use our free
calcuator to find out. Get
quotes from over 100 major
Term Life Insurance Carriers.
Health Insurance
Health Insurance (n. - definition) - an individual or group insurance plan that provides coverage for a range of health care related services.
Health Insurance

Guides Online:

Annuity Bonus
Annuity Fixed
Annuity Equity Indexed
Annuity Immediate
Business Continuity Insurance
Buy Sell Agreement
Charity Insurance
Common Remitter Service
Company Insurance
Equity Indexed Universal Life Insurance
Executive Insurance
Health Insurance
Health Savings Account
Insurance Product Guide
Key Man Insurance
Long Term Care Insurance
Medical Savings Accounts
Medicare Supplemental Insurance
Mortgage Insurance
Premium Finance
Return of Premium Life Insurance
Split Dollar Insurance
Term Life Insurance
Universal Life Insurance
Whole Life Insurance
Worksite Insurance Plans

Online Insurance
Quote Comparisons:

Free Life Insurance Quotes
Life Insurance Calculator
Low Cost Life Insurance
Term Life Insurance
Term Life Insurance Quotes
Term Life Insurance Rates

College Planning
Guides Online:

529 College Saving Plans
Education IRA
College Financial Aid
FAFSA & Definitions
Financial Aid Programs
Financial Aid Strategies
Scholarships - Loans
State College Aid Agencies

Mortgage Loan
Guides Online:

Adjustable Rate Mortgages
Fixed Rate Mortgages
Home Equity Mortgages
Interest Only Mortgages
Reverse Mortgages

by Insurance Online Advisors

Free Quotes: Car Insurance - Health Insurance - Life Insurance

  • Health Insurance can be obtained on a group basis through your employer or on an individual basis for yourself and/or your family.

  • A variety of plans are available including: Traditional Indemnity, Preferred Provider Organization (PPO), Health Maintenance Organization (HMO), Point of Service (POS), High Deductible Medical Savings Account (MSA), Hospital/Surgical plans, Consumer-Directed Health (CDH) plans, and State Children’s Health Insurance Programs (SCHIP).

  • Traditional Indemnity plans (for individuals or group) provide coverage for a wide range of health care services. You have the freedom to choose your own physicians and hospitals with no reduction in benefits. This freedom, however, comes with a price. These plans are usually more expensive than the other managed care plans listed below.

  • Preferred Provider Organization (PPO) plans (for individuals or group) offer the potential for lower monthly health benefit costs through a network of physicians and hospitals. You still have the freedom to choose any health care provider. However, you receive greater benefits and lower costs within the network.

  • Health Maintenance Organization (HMO) plans are usually employer-sponsored group plans that offer easy-to-use health benefits that emphasize preventive care while managing costs. You select a Primary Care Physician (PCP) from the list of network physicians at the time of enrollment. The PCP then serves as coordinator of your health care, including hospitalization and specialty care. Generally benefits are available only in-network.

  • Point of Service (POS) plans are usually employer-sponsored group plans that offer choice by combining the advantages of an HMO with the flexibility of Traditional Indemnity coverage. You select a Primary Care Physician (PCP) who at the time of enrollment will coordinate most in-network levels of care. You may choose at the time of service whether you prefer to use network providers or non-network providers.

  • High Deductible MSA plans have two components—a Medical Savings Account (MSA) and a High Deductible Health Insurance Plan.

  • A Medical Savings Account (MSA) is a tax-favored account set up to pay for medical care and to allow for the buildup of savings to pay for future medical expenses. In combination with a qualifying High Deductible Health Insurance Plan, the MSA gives you a way to fund your health expenses now and save for retirement, long-term care expenses, or to bridge the gap caused by the uncertain future of Medicare.

  • A qualifying High Deductible Health Plan has three basic features:

    • 1. A deductible that is higher than typical plans and is between the minimum and maximum as defined by the Internal Revenue Service (IRS). The premiums are usually lower on high deductible plans.

    • 2. A maximum limit on the annual out-of-pocket medical expense that you must pay for covered services.

    • 3. The stated deductible needs to be met in its entirety prior to the Plan paying for covered services.

  • With the High Deductible Plan, you can use the tax-favored money you have deposited in your MSA for routine medical expenses.

  • Hospital/Surgical plans are the low-cost alternative—a way to minimize your premium costs but still have essential benefits in case of hospitalization or surgery.

  • Consumer-Directed Health (CDH) plans—also known as Consumer Driven Health plans—are employer-sponsored health plans that give employees more control over when, where and how they spend their health care dollars. These plans appeal to consumers who are actively engaged in seeking health-related information—such as comprehensive information on medical conditions and procedures, and access to physician and hospital price and quality information—to give them greater control over their health care spending.

  • State Children’s Health Insurance Programs (SCHIP) were started in 1997 when Congress created Title XXI of the Social Security Act to provide health care for the growing number of uninsured children in the United States. This legislation provided States with the opportunity to create programs to increase access to affordable health insurance for children.

Retirement Plan
Guides Online:

401k Simple
Defined Benefit Plan
Money Purchase Pension Plan
Profit Sharing Plan
Roth IRA
Simple IRA
Teacher Retirement

Guides Online:

401k Rollover
Cafeteria Plan Sec 125
Charitable Foundation
Charitable Trusts
Deferred Compensation
Donor Advised Funds
Elliott Wave Analysis
Estate Planning
Fee Based Financial Planning
Hedge Funds
Investment Services Advice
Margin Trading
Money Management
Money Market Savings Account
Mutual Fund Investment Advice
Mutual Funds
Mutual Funds at NAV
Omnibus Account
Payroll Deduction
Pooled Income Fund
Prime Brokerage
Roth IRA Conversions
Rule of 72
Stock Trading
Systematic Trading
Tax Exempt Money Market
Tax Free Mutual Funds
Variable Annuity

Advisory Services:
College Plan Advisor
Elliott Wave Advisers
Long Distance Plan Advisor
Mortgage Loans Advisor
Retirement Plans Advisor

Copyright © 1998-2007. Health Insurance Information Guide. All rights reserved.

Elliott Wave . Quote Life Insurance Term . Discount Long Distance Rates . Low Cost Life Insurance . College Loan and Scholarship Guide . Term Insurance Life Quote . Mortgage Loan Refinancing Guide . Quote Insurance Life Term . Life Insurance Quote Term . Money Management . Insurance Online Information . Retirement Planning . Quote Insurance Term Life