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Family Health Insurance
Health insurance is more than just a good idea for families. With the high cost of medical services and the ever-increasing need for specialized services, having an adequate health insurance policy is a necessity. The number of families without health insurance coverage continues to rise every year. According to the 2006 US Census, the number of families without health insurance coverage jumped 1.3 million to 46.6 million; meaning that 15.9% of US families had no health insurance coverage at all.
There are many types of family health insurance policies available today. The four main types of plans you will most likely encounter as you search for affordable health care coverage include HMO, PPO, POS and Major Medical plans, with each plan having its own pros and cons.
- While major medical has cheaper monthly rates, they do not cover as well as other plans, and may require their customers to pay up front for services in order to be reimbursed.
- POS, or Point of Service plans allow individuals to choose their primary doctor but are required to see their doctor first before seeking any other medical coverage.
- HMO, or Health Maintenance Organizations, usually offer cheaper rates but require the insured to seek medical coverage only within their designated network.
- PPOs, or Preferred Provider Organizations, allow the insured to choose a primary care provider from outside the designated network, but will give better rates when the insured chooses from their network.
Finding low-cost family health insurance coverage can be especially difficult for those that are self employed or whose employer does not currently offer a group health plan. There are many individual health insurance companies that offer health care coverage to families, but their insurance premiums are often out of reach. This tends to be the major problem with family health insurance - the plan either has high monthly fees or outrageous deductibles that make it nearly impossible for a family to make routine doctors visits.
Fortunately, finding affordable health insurance coverage for your family doesn't have to be that difficult. InsuranceQuote.com offers our customers the opportunity to search reputable health insurance providers to find the lowest available family health insurance quotes free of charge. To find low-cost health coverage for your family, simply fill out our short questionnaire and InsuranceQuote.com will search the best available health insurance companies to find you the best deal. For low-cost quotes on health, home, auto and many other types of insurance, visit InsuranceQuote.com today!