Health Insurance Quotes Online Anaheim Calfornia CA
Reader’s Question:
I’ve heard of HMOs but what is fee-for-service health insurance? Is it advisable to get one here in Anaheim, CA?
Tristan
Anaheim, CA
Hi Tristan. Fee-for-service health insurance policies are a bit better than HMOs in that it allows you the widest choice of doctors and hospitals. You will usually be allowed to choose any doctor or hospital in Anaheim, CA, however, claiming is a little bit more complicated than for HMOs. Whereas for HMOs, you only need to be carrying you card, if you have a fee-for-service policy, you will usually have to fill out claims forms and send them to your health insurance company every time you use you health insurance policy. In fact, you can only make a claim against your health insurance policy after you have spent the agreed deductible amount for certain health services out of your own pocket. Even then, fee-for-service health insurance policies usually involves co-payment of your health care bills wherein the insurer only pays for 80% while you shoulder the rest of the expenses. Moreover, not all illnesses are covered.
Well, Tristan, health care insurance is quite a complicated topic. I guess whichever type of health care you decide to purchase – HMOs or fee-for-service – the most important thing to remember is to read the fine print! Different insurers offer slightly different coverage at very different premium cost levels. While I suggest you take time to view free quotes online (type your zip code in the form on this web site) and get an idea of what is available in Anaheim, CA, you must first list down exactly what you need to be included in the health insurance policy. This way, you will have a point of comparison or at least a basic parameter which you can use to compare heath insurance quotes online.
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