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Contrary to popular belief, affordable health insurance does exist. Here's how to get an affordable North Carolina health insurance plan with a reputable company. Affordable Health Insurance Plans The most affordable health insurance plans are called managed health care plans. there are three types of managed health care plans: Health Maintenance Organization Plans (HMOs) HMOs provide health care for their members through a network of doctors and hospitals. You pay a monthly premium for their services and are responsible for a copayment for each doctor visit, usually $5 to $10. You are assigned a primary care physician who oversee your care, and you must use the doctors and hospitals within your network. Preferred Provider Organization Plans (PPOs) PPOs also provide health care through a network of doctors and hospitals, but insteand of paying a monthly premium you pay for services when you receive them. Copayments are usually more than with HMOs and you may be required to pay a deductible. You can see a doctor outside your network for an additional fee. Point of Service Plans (POSs) POSs combine the characteristics of an HMO and a PPO. Like an HMO you do not pay a deductible and only pay a minimal co-payment. Like a PPO you may visit a non-network doctor or hospital, but you'll likely have to pay a deductible and a larger co-payment. Affordable Health Insurance In order to get the most affordable health insurance plan in North Carolina you're going to have to do some comparison shopping. You have the option of calling you local agents (which can take hours of your time), visiting single-company websites (which can also take hours), or visiting an insurance comparison website where you'll spend a couple of minutes filling our a simple form in order to get quotes from multiple companies. Some of these sites have an article section where you can get money-saving tips, and an online chat feature where you can get answers and advice from insurance experts (see link below). Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get affordable North Carolina health insurance rate quotes from top-rated companies and see how much you can save. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get an affordable North Carolina health insurance plan.
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