Lower Health Insurance Cost Today!!

Frequently Asked Questions

What should I consider when choosing a health insurance plan?

When choosing a health insurance plan, you should consider your healthcare needs, the cost of premiums, out-of-pocket expenses (such as deductibles, co-pays, and coinsurance), the coverage offered, network restrictions, and the insurance company's reputation for customer service.

How can I save money on health insurance?

There are several ways to save money on health insurance, such as shopping around for the best deal, choosing a plan that best fits your health needs, considering a high-deductible plan paired with a Health Savings Account (HSA), qualifying for subsidies or Medicaid, staying in-network, and practicing preventive care.

What is the difference between in-network and out-of-network providers?

In-network providers are part of a health insurance company's preferred list of medical practitioners. Your insurance company has negotiated lower rates with these providers, so you'll pay less out of pocket. Out-of-network providers haven't agreed to the insurer's rates, so you may end up paying more when you use their services.

What does a deductible mean, and how does it affect my costs?

A deductible is the amount you must pay for covered health care services before your insurance plan starts to pay. For example, if you have a $1,000 deductible, you need to pay the first $1,000 of the services yourself. After you meet your deductible, you usually only pay a co-payment or coinsurance for covered services.

What is a premium?

A premium is the amount of money charged by your insurance company for the plan you've chosen. It is usually paid on a monthly basis but can be billed in other intervals.

What's the difference between copayment and coinsurance?

A copayment, or copay, is a fixed amount you pay for a covered healthcare service, like a doctor's visit. Coinsurance is your share of the costs of a healthcare service, calculated as a percent of the allowed amount for the service. You pay coinsurance plus any deductibles you still owe on your plan.

Can I get health insurance if I have a pre-existing condition?

Yes, under the Affordable Care Act, insurance companies can't refuse to cover you or charge you more just because you have a "pre-existing condition" — that is, a health problem you had before the date that new health coverage starts.

How can your service help me find affordable health insurance?

Our service helps you compare a variety of health insurance plans from different providers. We break down the cost and coverage details to help you find a plan that suits your needs and budget. Additionally, our resources and tools can assist in understanding the often-complex world of health insurance, helping you make an informed decision.

What are the types of Affordable Care Act (ACA) plans?

The ACA, often referred to as Obamacare, offers four types of health insurance plans classified by metal categories: Bronze, Silver, Gold, and Platinum. These categories show how you and your plan share costs. Bronze plans usually have the lowest monthly premiums but highest out-of-pocket costs. It's the opposite for Platinum plans, which generally have the highest premiums but lowest out-of-pocket costs.

What are short-term health plans?

Short-term health plans are temporary coverage that can provide protection for transitional life events such as job loss or moving between states. While they're typically more affordable than traditional plans, they don't have to cover pre-existing conditions or certain essential health benefits defined by the ACA, like maternity care or mental health services.

Can I rely on a short-term health plan as my only insurance policy?

While short-term plans can provide some coverage for unexpected health issues, they are not intended to replace a traditional health insurance plan. They usually do not cover pre-existing conditions or preventive care, and they are not required to cover the ten essential health benefits outlined in the ACA. If you're considering a short-term plan, make sure you understand what is and isn't covered.

​

Copyright 2023. All Rights Reserved.