Health Insurance

Get the health insurance you need — at the best rates around

Right this minute… in the United States, there are nearly 70 million people who are living with poor quality health insurance or NO health insurance coverage at all.

Unfortunately, those same folks are finding it more and more difficult to get proper medical attention when they suddenly need care because they don’t have the insurance coverage they need.

And too often, those same people are the ones blindsided with huge medical bills, soaring prescription costs and overwhelming monthly payments that they never expected. Some end up financially ruined.

Don’t let it happen to you

Health insurance is not only important for the obvious financial and health benefits, it also has many other upsides that can help ease your mind. For example, good health insurance gives you:

• Peace of mind — quality health insurance provides you and your family with financial protection if you’re ever injured or fall ill
  
• Better health — The ability to get regular check ups, maintain your health and continue to get regularly scheduled tests and vaccinations is key to long-term health.
  
• Reassurance — You can rest easy with the assurance that your family will be getting the health care it needs when they need it most

Protect yourself and your family now with a health
insurance policy you can afford

If you or your family are living day to day without health insurance, or with a health insurance plan that’s not giving you the protection you need, it’s time to take action. 

If you wait, you could soon find yourself among the millions of  under insured Americans, who have been devastated by an unexpected illness or injury and are now struggling to make ends meet, pay medical bills or even facing bankruptcy.

Make sure you’re protected with affordable, quality health insurance coverage—so you and your family are insured when the unexpected happens.

Get the quality health insurance protection you need for the price of a newspaper

This site can help you get a free health insurance quote, research a policy or help answer your questions. It's one of the most comprehensive sources of health insurance information, you'll find anywhere. You can get the health insurance you need at rates you can afford - no matter what your budget.

You’ll see that the site is logically organized so you can quickly find the information you're looking for.

And even though this is an informational site and you cannot buy insurance directly from us, you can still find details on the most popular insurance plans available. But the main reason people come here is to find health insurance quotes so that they can hand-pick the provider that offers the health insurance plan that’s right for them.

Best of all, you can get your health insurance quotes from as many different health insurance companies as you like — which makes them compete for your business.

Get a FREE health insurance quote right now

Simply fill out the form below to request a QUICK QUOTE. Do it now. There’s no obligation and absolutely no risk. You’ll get:

• Health insurance plans details and benefit options
• Best prices available for you and your family         
• Plain English — no insurance “lingo”
• A quick and easy way to apply
• Quotes from quality health insurance companies
• Professional assistance from professional health insurance agents and representatives.
• A safe, secure, fast and easy process
  

So how is this site different?

Nowadays, you see so many ads, commercials and web sites for affordable health insurance. They all seem to say the same kinds of things. So how do you know who to trust? How do you know where to turn?

Well, you don’t have to look any further. In this one complete site you’ll find accurate, objective  information. There’s no obligation, no commitments and nothing to buy here. Just straight talk about insurance.

The sole purpose of the site is to help you connect with the health insurance company that can give you the best health insurance protection at the best price. Period. No sales pitch. No pressure. You’re in control.

Also, as a nonbiased third-party, you can use this site to help you sort through your options. When you use our service, we match you with the top health insurance providers in the health insurance business; so you can find the right coverage at the right price. And our iron-clad security ensures you’re protected throughout the entire process.

You can choose to get a Quick Quote now, or simply browse the site and use it as a resource. It’s up to you. Either way, you’ll be better informed and more educated about the types of health insurance policies and coverage available and the different terms health insurance companies use when describing their products.

Straight Talk About Health Insurance

As you do you homework, you’re bound to come across terms and phrases known in the industry as “insurance” speak.

You may be familiar with some of these terms already, and maybe not so familiar with others. In order to make the best choice about health insurance for yourself or your family, there should be no questions or confusion about what’s being discussed.

So, here, in plain and simple language, are some of the most common health insurance terms you should know:

Annual Maximum Benefit Amount.
Simply means the most money an insurance plan will pay for healthcare service in any one year.

Coinsurance.
Instead of paying a fixed amount up front (a copayment), the policy-holder must pay a percentage of the total cost. For example, the member might have to pay 20% of the cost of a surgery, while the health plan pays the other 80%. Because there is no upper limit on coinsurance, the policy-holder can end up owing very little, or a significant amount, depending on the actual costs of the services they obtain.

Copayment.
The amount that the policy-holder must pay out of pocket before the health plan pays for a particular visit or service. For example, a policy-holder might pay a $45 copayment for a doctor's visit, or to obtain a prescription. A copayment must be paid each time a particular service is obtained.

Coverage limits.
Some health insurance plans only pay up to a certain dollar amount. After that, you may be expected to pay any charges in excess of the health plan's maximum payment for a specific service. In addition, some plans have annual or lifetime coverage maximums. In these cases, the health plan will stop payment when they reach the benefit maximum, and the policy-holder must pay all remaining costs.

Deductible.
This is how much money you need to pay out of your pocket before the health insurance plan starts to pay its share. Say you had a $200 deductible per year, before any of their health care is covered by the health plan. You might have to go to the doctor several times before you would have paid $200 out of your own pocket. But once you do, the insurance company will start chipping in on any other expenses you have to pay that year.

Group health insurance.
Health insurance that's issued by a health insurance provider for larger number of people all under a single master policy, issued to their employer or even to an association that they belong to.

Exclusions.
You'll see this term referring to any services that are not covered by your policy. You would be expected to pay the full cost of these exclusions or non-covered services out of your own pocket.

Low income health insurance.
Million Americans who are uninsured, many find themselves in this unfortunate situation because health insurance is unaffordable. For some of these folks, the federal Medicaid program will be the best bet. These days, there are many affordable health insurance policies to choose from.

Out-of-pocket maximums.
This means that the part of the payment you're possible for ends when you reach your out-of-pocket maximum. After that, your health plan pays for any other covered costs.

Premium.
The amount you pay each month for your health insurance coverage.

Small Business Health Insurance.
Many times, small businesses will offer health insurance to the employees. This is often used as way to attract and retain the most talented people. For this definition, a small business is considered to have fewer than 50, employees.

State Health Insurance.
A form of insurance that is available to you if you are not part of a group health insurance plan, if you do not qualify for a typical individual health insurance policy or if you cannot afford health insurance.

Student Health Insurance.
If you're a student and you don't have health care coverage, not to worry. There are still several options. For starters, you should contact your school about the health care coverage they offer their students. Very often colleges will work with health care providers to offer some very affordable packages to enrolled students. In some cases, you can use your student loans to pay for the insurance.

Travel Health Insurance.
This type of health insurance is a good idea when you want to cover medical care received in a foreign country. Your group plan will sometimes limit overseas coverage to emergency care only (and in most cases, you will have to prove that it was an emergency). Also emergency medical evacuation is almost never covered. Even if you're on a business trip, you could still have serious gaps in your coverage.