| We can Help you find the best prices on | | | | party, their age and gender, or the |
| Insurance! | | | | amount of the health insurance |
| Health insurance comes in all shapes and | | | | deductible chosen for a particular |
| sizes. Some health insurance plans are | | | | health insurance plan. |
| highly customizable while other health | | | | Deductibles & Co-Pays can Vary! |
| insurance plans are not. More expensive | | | | The deductible is the amount of the |
| medical insurance offers better | | | | health care fees the customer is |
| services, but this does not mean that | | | | responsible for before the health |
| less expensive medical insurance plans | | | | insurance provider begins coverage. |
| are not as good. There are many | | | | Health insurance deductibles are |
| affordable health insurance plans that | | | | determined for an annual period. Having |
| provide excellent coverage options. | | | | no health insurance deductible, or a |
| What are your Health Insurance Options? | | | | very low health insurance deductible |
| To begin with, it is important to know | | | | will usually result in a higher health |
| what your health insurance options | | | | insurance premium. Having a high |
| really are. Laws regulating health | | | | deductible health insurance plan can |
| insurance are different in every state, | | | | result in benefits that most other |
| which means that health insurance plans | | | | health insurance plans do not afford, |
| will vary from state to state as much as | | | | such as coverage of services that are |
| they do from company to company. For | | | | not normally covered by health insurance |
| example, health insurance providers in | | | | providers. |
| Oregon are not allowed to deny coverage | | | | A copay or coinsurance is the amount of |
| due to pre-existing conditions, while | | | | a medical fee that the health insurance |
| health insurance providers in | | | | customer is responsible for. A copay is |
| Pennsylvania can deny coverage, but must | | | | a set dollar amount determined for each |
| offer uniform premiums. - There are | | | | service by the health insurance |
| three basic components of health | | | | provider, while coinsurance is a |
| insurance: | | | | percentage of the fee that the health |
| Premiums are the fees that a customer | | | | insurance customer is responsible for. |
| pays to a health insurance provider for | | | | Copay and coinsurance rates can be |
| access to their services. The rate of | | | | higher when the doctor does not have a |
| the health insurance premium can be | | | | contract with the health insurance |
| dependent on the health of the insured | | | | provider. |