| Looking for a discount health insurance plan with a | | | | each doctor visit. |
| reliable company? Here's where to find one. | | | | PPOs (Preferred Provider Organizations) and POSs |
| State Sponsored Health Insurance Plans | | | | (Point-of-Service plans) cost slightly more than HMOs, |
| The first place to go to find a discount health | | | | because although you're assigned to a network of |
| insurance plan is your state's insurance department | | | | doctors and hospitals you can use a non-network |
| website. Most states have low-cost and no-cost | | | | doctor or hospital for an additional fee. With a PPO |
| plans for low income individuals and families, children | | | | you pay your medical expenses when services are |
| whose parents cannot afford health insurance, | | | | rendered. With a POS you pay a monthly premium |
| pregnant women, and the elderly. | | | | and an $5 to $10 co-payment for each doctor visit. |
| To find out if you qualify for a state-sponsored | | | | Indemnity, or Fee-For-Service plans, are by far the |
| health insurance program, visit your state's | | | | most expensive health insurance plan because you |
| department of insurance website by doing an | | | | can use the hospital and doctor of your choice. You |
| Internet search for "(your state's name here) | | | | pay a monthly premium for the plan, and a deductible |
| department of insurance." | | | | of usually $500 to $2,000 before your insurer will pay |
| Private Health Insurance Plans | | | | your medical bills. |
| There are four types of private health insurance | | | | Where to Get a Discount Health Insurance Plan |
| plans: | | | | The easiest way to get a discount health insurance |
| HMOs (Health Maintenance Organizations) are the | | | | plan is to go to an insurance comparison website |
| cheapest plans because you are assigned to a | | | | where you can get rate quotes from a number of |
| network of hospitals and doctors you must use for | | | | insurance companies then compare rates and choose |
| your medical care. With these plans you pay a | | | | the cheapest one. |
| monthly premium plus a $5 to $10 co-payment for | | | | |