The biggest differences in these plans are the doctor and hospital networks that they are a part of. You can go to the Tools section of this web site to get detailed explanations of each plan, but here is a basic summary. HMO's have a more limited network, and you must go through a primary doctor for all your care. PPO's tend to have better networks and there is at least some coverage out of network. POS's have out-or-network benefits but in most cases you have to go through a primary doctor. HSA's have high deductibles but allow you to put tax free money from your paycheck into an account that must be used for healthcare expenses.

Make sure to check the benefit summaries, sometimes called the plan description, that outlines your coverage.

Yes! We offer many insurance companies and we want to find the best one for you! We are NOT employees of the insurance companies so we can give you unbiased advice on which plans are best for you. And even more exciting is that it doesn't cost you ANYTHING extra to have us find the best possible insurance.

We do! By law the insurance companies and insurance agencies can not charge you any more for your insurance no matter where you buy it. This means that wherever you buy your insurance it will cost the same price and you get the benefits of using our web site and our unbiased licensed professionals.

No! We charge the same as everyone for insurance. The prices for insurance plans are set forth by the state and are the same whether you buy it from the insurance company or an agency. The only difference is that you get unbiased advice on what plan to buy from an insurance agency.

We've been selling insurance since 1978, so we know insurance. We have various tools to make buying and maintaining your policy so that you'll never feel alone when it comes to making a health insurance decision. We want your business! And we are willing to earn it by giving you the best buying experience possible.

A deductible is an amount of money that you have to pay out of your pocket before your coverage begins. For example, if you have a $500 deductible on your plan, you would have to pay for the first $500 worth of medical care until your policy gave you coverage. Some deductibles only apply to certain services so you may not have to pay your deductible for things like going to your doctor. Make sure you look at your plan benefits and if you are still confused please give us or your insurance company a call.

Coinsurance means that you are responsible for a certain percentage of your healthcare costs. For example if you had a plan that had 80/20 coinsurance that would mean that you are responsible for 20% of your healthcare costs for the services outlined in your plan.

A copay is a set dollar amount that you must pay for a service. For example, if your copay is $20 to see your primary doctor you will have to pay $20 to see your doctor.

Every insurance company has a network of doctors and hospitals. If you get care within your insurance companies network it is often much cheaper. In fact, HMO plans usually have no coverage out of the network, and very few PPO plans will give you the same coverage in the network compared to out of the network. Take a close look at your benefit summaries before you get any out of network care.

Your health insurance coverage will begin as soon as the effective date that is supplied on the application as long as it fits within the insurance companies guidelines. As a general rule of thumb you want to set your effective date two weeks prior to your application and payment, although you can sometimes get your coverage sooner than that. In most cases you will be limited to starting your coverage on the 1st or 15th of the month.

Medical bills can be extremely expensive, so not having medical insurance can put you and your family at risk. According to a 2005 Harvard study, the biggest cause of bankruptcy in the US is medical bills.

Yes! Health insurance isn't always cheap, but there are plans that may fit your budget and protect you from high medical bills. But remember the less expensive the plan the more likely that your benefits aren't as good. It's always a good idea to choose the type of coverage you are looking for and finding similar plans with multiple insurance companies to see who is priced the best.

Ask! Never be afraid to ask us or your insurance company what exactly are your benefits. Another way is to always keep a copy of your benefits summary which outlines your coverage and its costs.

It may be cheaper for you to buy an individual policy, but make sure that you are getting the coverage that you want. Many people find that when they are offered COBRA that the payments are very high. You may be able to find a different plan that fits your budget and still gives you the protection you want, but make sure you understand what you are buying before you purchase a new plan.

Pre-existing condition rules vary by state, but for the most part if you have been uninsured for a period of time you may have a pre-existing rule attached to your policy. This means that any medical condition you have won't be covered for a specified amount of time after you buy your coverage.

We don't sell or share your information with any outside companies, and the only people who see your information are those people necessary to give you an accurate quote or to answer any questions you have. We take your privacy very seriously, and we do everything to protect it. Please read our privacy policy that is located on the bottom of every web page in our site.