Delivering Health Insurance Quotes TX – MultipleHealthQuotes.com

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Knowing the different types health insurance plans and payment terms is a good start to find the right plan for you and your family. Here are some terms that you should be familiar with.

Individual Health Insurance is a type of private insurance policy that you can purchase on your own. There are sub-groups under this category such as HMO and PPO that are described in other articles on this site.

Family Health Insurance is exactly like individual health insurance except that it covers several family members instead of only one person. But there’s only one main policyholder and every family member that has coverage under the same policy is processed under the main policyholder.

In-Network Provider is a physician, dentist, nurse, or any healthcare professional that has a contract with your insurance company. In a managed care program such as HMO or PPO, maximum coverage is applied when you avail of the services of an in-network provider. Your policy includes a list of these providers for your reference.

Out-of-Network Provider is a healthcare professional that doesn’t have a contract with your insurer. Depending on the type of plan, you either get some coverage or no cover at all, if you get the services of an out-of-network provider.

Deductible. This is a fixed amount set by the insurance company and that you agree to pay out-of-pocket when you receive healthcare services. The company will only pay for qualified medical expenses and health care beyond this deductible amount. The deductible is applied yearly and the insurance policy will cover additional medical costs for that year. For family health insurance, each qualified member has his/her own deductible.

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