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Comparing Health Insurance Options

Health Insurance quotes: fast, easy and online. You may be able to save hundreds by getting comparison quotes for insurance you already have and making sure you are insured for unexpected bills. There is no cost for any Health Insurance quotes, nor any obligation to buy.

Health plan vs. health insurance

In the United States, HMOs tended to use the term "health plan", while commercial insurance companies used the term "health insurance".  A health plan can also refer to a subscription-based medical care arrangement offered through HMOs, preferred provider organizations (PPOs), or point of service plans.  These plans are a lot like pre-paid dental, pre-paid legal, and pre-paid vision plans.  Pre-paid health plans typically pay for a fixed number of services (for instance, $500 in preventive care, a certain number of days of hospice care or care in a skilled nursing facility, a fixed number of home health visits, a fixed number of spinal manipulation charges, etc.).  The covered services offered are usually at the discretion of a utilization review nurse who is often contracted through the managed care entity providing the subscription health plan. This determination may be made either prior to or after hospital admission.

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