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Looking to get small group health insurance in Nevada? Want to know where to get cheap rates with a reliable insurer? Here's how ... Small Group Health Insurance A small group is any organization, club, or business, that has less than 50 members. If you're the only member in your "group," or if you're self employed, you still may qualify for group insurance. The benefit of purchasing insurance through a group is that you'll get a cheaper rate than if you were to purchase it individually. Types of Health Insurance Plans * indemnity (fee-for-service) plans - These are the standard plans whereby you pay a periodic premium, usually monthly, to receive health care. These plans pay for the lion's share of your medical expenses, usually 80%, and you pay the remainder. Indemnity plans cover doctor visits, hospital fees, and prescription drug costs. They cost more than other plans because you are allowed to choose your health care providers. * Managed health care plans (HMOs, PPOs, POSs) - With these plans you receive your health care from a group of health care providers who are assigned to you. With an HMO you can only receive treatment from doctors within your group. With a PPO or a POS you can choose your own doctor, but you'll have to pay an extra fee. These plans also cover doctor visits, hospital fees, and prescription drugs, and are much cheaper than indemnity plans. * Specialized plans - These plans provide only partial coverage or coverage for a particular situation or illness. For instance, major medical insurance will only pay your medical bills if you have a major medical problem such as a heart attack or stroke. Specified disease plans pay your medical expenses for specific diseases like AIDS or cancer. Hospital confinement plans pay your hospital costs only. These plans are usually the cheapest plans. Cheap Small Group Health Insurance Like anything else, if you want to get the best price you have to comparison shop. Thanks to the advent of insurance comparison websites, you can compare rates from different companies, then choose the cheapest plan that fits your needs in the comfort and privacy of your own home. Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get Nevada small group health insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on small group health insurance.
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