With fewer and fewer employers providing health insurance for their employees, many are turning to private health insurance solutions. HISI is here to provide you with various plan options from leading insurance carriers. Don’t wait for illness to strike; get a free quote and apply now online! There are several alternatives to health insurance, including Short-Term, Long-Term, Prescription Discount Cards, and Medicare. Some of these options are listed below, for a full list of options click here.
|Click here to get a free quote and apply online for Short-Term Medical (up to 6 months) or Long-Term Medical Insurance.|
|Click here to get a free quote and apply online for Medical Insurance through CareFirst BCBS. (Only available to residents of Maryland, Washington D.C. and Northern Virginia).|
|Click here to get a free quote and apply online for Short-Term Medical or Long-Term Medical Insurance.|
WHAT KIND OF PLAN TO CHOOSE?
- Do you need long-term coverage or just something for the next few months?
If you are between jobs or a recent graduate, you may want to consider our short-term coverage options. Short-term health insurance plans provide you with coverage for a limited period of time (generally up to 6 months), and may be an ideal solution for those between jobs or those waiting for other health insurance to start (Click here for more details about Short-Term Medical). If you think you will need coverage for a longer period of time, you may want to consider a standard, long-term health insurance option.
- What level of coverage are you looking for?
There are insurance plans available that only offer basic coverage to cover you in case of a major illness or injury. Typically, these plans have a lower monthly premium than plans with more comprehensive coverage, and may be appropriate or preferable for people who intend to use their insurance only in case of an emergency. Other insurance plans offer more comprehensive coverage, in addition to covering major illnesses or injuries. These plans may include benefits such as: preventive care, physician services, prescription drug benefits, and routine office visits. These types of plans typically have a higher monthly premium than plans offering basic coverage only, and may be appropriate or preferable for people who intend to use their insurance on a regular basis.
- Do you have specific doctors or hospitals that you would like to continue visiting for healthcare?
Many insurance plans require or prefer that participating providers be used for services. If you have specific doctors or hospitals that you would like to continue visiting for healthcare, pay close attention to the network of doctors and facilities that each health plan utilizes, to make sure that your doctor or hospital is included on the list of participating providers and facilities for the insurance plan you choose. Also keep in mind that the networks are constantly changing, so there is no guarantee that your doctor will always be contracted with your chosen health plan.
- In case of a serious illness or injury, how much could you afford to pay in out-of-pocket expenses?
Each health insurance plan typically places a limit on how much a member is required to pay out-of-pocket per year for his or her healthcare. This limit is known as the “Out-of-Pocket Maximum.” Once you have paid this amount toward healthcare, the health insurance carrier will generally cover the entire eligible claim cost for the remainder of the benefit year.