Health Insurance Quotes from Health Plans of America
Health Plans of America is not a health insurance company. We are one of the largest and most trusted sources for competitive health insurance quotes. Whether you're a recent graduate, self employed, working without coverage, retiring, or just trying to save money, you can use our web site to:
- Learn about your options
- Request free quotes
- Compare plans from different insurers
- Lower your costs
Here are some of the plans that our providers can offer:
Preferred Provider Organization (PPO) Plans
A PPO is a subscription-based medical care arrangement. Members receive a substantial discount on regularly charged rates from the doctors partnered with the organization. In a PPO you get most of your health care from a network of providers, just as you do in an HMO. But you can choose to go outside of the network and pay more. You can have a primary care doctor in a PPO and you can go to a specialist and get other services without seeing a primary care doctor first.
Short term medical insurance, also called temporary health insurance, is designed to provide coverage for major hospital, medical, and surgical expenses incurred for a covered illness or injury. Short-term health insurance plans are a great solution when you're between jobs, waiting for group coverage to start, or if you're a recent college graduate. Unlike standard health insurance, short term health insurance policies always have a termination date that you choose when you apply.
Health Maintenance Organization (HMO) Plans
An HMO is a health maintenance organization. HMOs keep health care costs down by deciding how much they will pay for each service. Members must get their care from the doctors, hospitals and other providers who work with the HMO. This is called a network. When you join an HMO, you choose a primary care physician who is your first contact for all medical care needs. The primary care physician provides your general medical care and must be consulted before you can see a specialist.
Health Savings Accounts (HSA) Plans
HSA plans allow you to save money to pay for future medical expenses on an income tax-free basis. They combine a High Deductible Health Plan (HDHP) and a savings account for future medical expenses called a Health Savings Account (HSA). Congress created the HSA as a way to cover your future medical expenses, and it is subject to IRS regulations and guidelines. You own the HSA funds in your account and ownership may transfer to an individual's spouse, upon death, on a tax-free basis.
Student Health Insurance
Health insurance is not always the first financial consideration for young adults. After all, when you're young you feel healthy and don't think you'll have the need. Actually, health insurance is one of the most important financial protections you can get when you are young. Many young people don't often realize that they are usually dropped by their parents' health insurance coverage when they either turn 18 or finish being a full-time student at around age 23. However, many young adults also feel like they don't really need it either. Yet a single accident or serious illness can end up costing thousands of dollars. Now there are health plans created just for the young and healthy. Monthly premiums are very low and cover just the unexpected essentials such as emergency room care and hospital stays.