Can You Get Better Health Insurance Online Than From an Employer Or Private Insurance Agency?

In the past, many people only signed up for health insurance through their employers. Many single individuals, students and self employed professionals did without health benefits because private insurance was extremely expensive. Times have definitely changed! Today, employee health benefits and private insurance companies are not the only options for obtaining great health coverage.

These days, even those who are employed are exploring all of their options simply because employer insurance premiums have skyrocketed in recent years. Many are seeking affordable healthcare coverage for themselves and their families.

Getting health insurance coverage online has become increasingly popular due to the satisfied folks who are spreading the word. Many are dropping their employee benefits and jumping on the online insurance bandwagon. This is because the rates are affordable, they only pay for coverage that they need, and the terms of the coverage are much more flexible.

Many states now have separate healthcare coverage for children under the age of 18. This leaves parents with the opportunity to get their own individual health insurance plan based on their specific health insurance needs. Many parents are choosing to get this coverage online rather than through an employer.

Just like with family plans, individual health policies will cover both medical expenditures as well as prescription medications. The insured person either can present a bill of expense incurred to the insurance company for reimbursement or can visit the allocated doctor who is on panel of their insurance company.

Generally, most insurance companies offer two types of insurance plans. Indemnity Plans are one type of plan which generally offers a wide range of options when it comes to selecting physicians, specialists and hospitals. With indemnity plans, patients must pay their bill up front. They then claim the bill later through the insurance company. The insurance company will processes your claim and pay the doctor what is owed minus the deductible amount. This is not a very popular option for most because of the upfront payment required.

Managed care plans are quite popular although this plan offers a restricted number of doctors and hospitals with reduced rates. This option is more attractive since those on this plan do not spend any out of pocket money other than a co payment. The doctor or hospital will claim the amount directly from the insurance company.

If you have access to the internet, you can access your coverage 24 hours per day each and every day. Online health coverage providers also give you around the clock access to customer service agents, and the opportunity to have coverage even if you are away from home. There are a host of options available for students, stay at home moms, single parents, small business owners and entrepreneurs.

Also, both signing up and actually getting the coverage is also simple and hassle free. You will no longer have to worry about going through a long detailed sign up process with the fear of being rejected. Online systems allow you to easily search online for your required health coverage and apply. The best part is that you only choose to pay for what you actually need, hence, excluding unwanted coverage and saving money.

You can, in fact, get better health coverage online than you can from an employer. See for yourself!

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