What types of health insurance in Vermont?
There are four basic health insurance plans in Vermont. You are ...
1. Indemnity plans (also called fee-for-service plans). These plans pay for your doctor visits, hospital charges, and prescription drugs. You pay a monthly premium, then you will pay a deductible (usually $ 500 to $ 2000), before your insurance company pays a percentage of your medical bills (typically 80%). It is the most expensive plans, because you can choose your own doctors, specialists and hospitals.
2. Health Maintenance Organizations (HMOs). These plans pay for your doctor visits, hospital charges, and prescription drugs. You pay a monthly premium for which you are assigned to a network of hospitals and doctors. You pay a charge (usually $ 5! 0) after each doctor visit. These plans are the best, because you need to use doctors and hospitals in your network.
3. Preferred Provider Organizations (PPOs). These plans pay for your doctor visits, hospital charges, and prescription drugs. Like an HMO, you will with a network of doctors and hospitals. Unlike an HMO, you pay for medical services, how they are made, and you can see non-medical network for an additional fee. These plans are slightly more expensive than HMOs, because you are not only in the hospitals and doctors.
4 network. Point-of-service plans (POS). These plans pay for your doctor visits, hospital charges, and prescription drugs. They are a combination of an HMO and PPO. Like an HMO, you are responsible for a network of providers and health care are required to pay a co-payment if you use them. Like a PPO, you can see non-medical network for an additional fee. These plans cost a little more than HMOs and PPOs, as you have more flexibility in the management of your health care.
Where to Get Affordable Vermont Health Insurance
Getting the best price for health insurance is a matter of comparing the rates of a number of health insurance companies then the election One of the cheapest. They also want to ensure that the company is reliable, and provides good customer service.
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to Vermont affordable health insurance rate quotes from top rated companies and see how much you can save. You can even more tips security in its Articles section, and get answers to your questions from an insurance expert with the use of their online chat service.
The author, Brian Stevens, a former insurance agent and financial adviser, a series of articles on how to Vermont affordable health insurance rate quotes.
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