Cheap Group Health Insurance Quotes Ca Online

We all know that there are plenty of health insurance companies out there. Choosing the best for you is really hard especially if you don’t know what you really need. To help you start on getting a cheap health insurance quote Ca, let me show you the different coverage available and how to find cheap health insurance quotes Ca online for you and your family.

The first thing you should do is to figure out what kind of health insurance quotes Ca plans is available and what they are. These four insurance plans are: the FFS or Free For Service, HMO or Health Maintenance Organization, PPO or Preferred Provider Organization and POS or Point of Service. If you are employed, most employers choose one of HMO, PPO and POS plans because they are cheaper. These three plans provide you a network of physicians when you are ill and you should pay a copayment of $5-$15 every time you visit your doctor. Though HMO is the cheapest, this health insurance quote Ca plan doesn’t allow you to see a non-network specialist unlike PPO and POS do. The most expensive is the FFS wherein you can choose your own doctor and hospital but you need to pay 20% of the hospital bill and you have a minimum of $500-$1000 deductible.

Group health insurance quotes Ca plans also come with different types of coverage. These are the hospital coverage, surgical coverage, physician coverage, major medical coverage and prescription coverage. The hospital coverage covers your medical services and your hospital room. The surgical coverage covers the fee for surgeons and surgical expenses. The physician coverage covers your payment every time you visit your physician or if your physician visits you in the hospital. The major medical coverage pays for your expenses when you are seriously injured or for your existing illness. And lastly, the prescription coverage covers all your prescription cost.

You can save a lot if you buy a group health insurance instead of individual insurance. It will cost you $1000 difference from group insurance if you buy an individual insurance. Whether you are buying group or individual insurance, the best first thing to do is to compare health insurance quotes Ca to compare different rates. It’s a good thing that comparing health insurance quote Ca can be done online with a few mouse clicks. That alone can already save you from transportation or communication fees.