Are you lost in the maze of confusion information about the price and cost of health insurance and health insurance plans? The experts at HealthCompare put together some slide to help you through the health insurance clutter and make finding the right affordable health insurance easy. HealthCompare.com provides Affordable Health Insurance Quotes and makes it easy to buy Individual Health Insurance, Family Health Insurance and other Health Insurance Plans. http://www.healthcompare.com

2. So you need to find health insurance… You may not be thrilled, you may even feel a little lost, but that’s okay. . . We’ll guide you through everything… HealthCompare.org

4. Managed Care Plans

5. COBRA

6. Indemnity Plans

7. Health Maintenance Organizations (HMOs)

8. Preferred Provider Organizations (PPOs)

9. Short-Term Health Insurance

10. High Deductible Health Plans (HDHPs)HealthCompare.org

11. So let’s get started! But first things first… HealthCompare.org

12. HealthCompare.org

14. A Family Member’s Group Plan…So what does this mean? HealthCompare.org

16. Your hours are reduced from full-time to part time.

17. If your family member lost the Group Plan you were carried under.

18. You no longer qualify for your family member’s Group PlanHealthCompare.org

20. Talk to your previous carrier

21. Search online at HealthCompare.orgHealthCompare.org

23. WARNING: The premium is usually higher than if you sought insurance on your own.HealthCompare.org

25. Ask your former Health Care Provider about any premium increase.HealthCompare.org

27. Managed Health Care PlansHealthCompare.org

28. Indemnity plans have a greater flexibility when it comes to picking doctors, hospitals, or other health care providers. But flexibility comes with a price… HealthCompare.org

29. The PRICE of Indemnity Plans: You will probably have to pay an annual deductible before the benefits of the insurance kick-in. And, after that, there may be a discrepancy between what your providers charge you for their services and what your insurance opts to pay. HealthCompare.org

31. Your insurance company then pays 80% of that amount (which would be $120.00).

32. You will still owe the doctor $80.00, which is the difference between the amount he or she charges ($200.00) and the amount paid by the insurance ($120.00). HealthCompare.org

33. But what if you’d like to sacrifice that flexibility with providers for more consistent coverage? HealthCompare.org

35. You can only receive the benefits of the discounts negotiated with specific doctor, hospitals, and health care providers in their network.HealthCompare.org

36. HMOs: Health Maintenance Organizations PPOs: Preferred Provider Organizations POS: Point of Service Plans We’ll focus on the first two… HealthCompare.org

37. HealthCompare.org

39. May be limited with coverage area or available doctors

40. Limited number of specialists

42. Typically national coverage

43. Options for any specialist

44. Options for best available care= P P O HealthCompare.org

46. These restrictions help to control costs.HealthCompare.org

48. HealthCompare helps you to compare similar plans to find the perfect one for you. HealthCompare.org

50. Can I change doctors?

51. How are referrals handled if I need care from a specialist?

52. How is emergency care handled?

53. What services are covered, including preventive care?

54. What if I need services not provided by the HMO network?

55. Are there additional fees or co-payments required for office visits, emergency care or other services and, if so, how much are they? HealthCompare.org

56. So that’s an HMO….. What about a PPO? HealthCompare.org

57. PPOs do not necessarily require that you choose a primary care physician to supervise and make decisions for your health care. In addition, with a PPO, you may be able to access providers and services outside of the “preferred” provider network HealthCompare.org

59. They typically involve deductibles, co-payments, and co-insurance amountsHealthCompare.org

61. This means you can select more providers, but it might cost you. HealthCompare.org

62. So when selecting your doctors. . . What should you ask? HealthCompare.org

63. How many are in the network? Who are they and where are they located? What are the processes and restrictions for referral to specialists? HealthCompare.org

64. What hospitals are available through the plan? Where is the nearest one in the network? How is emergency care handled? HealthCompare.org

65. What services are covered? What are the deductible, co-pay and co-insurance amounts? What is the out-of-pocket maximum? What are the co-insurance amounts for non-preferred or out of network providers? Are there per-visit fees or other types of co-pays for in-network services? What is the cost difference between using in-network and out-of-network doctors, and what costs are associated with care outside of the PPO? HealthCompare.org

67. High Deductible Health PlansHealthCompare.org

68. Short-term major medical insurance is temporary health insurance that offers gap coverage toguard against high costs of emergency medical bills. HealthCompare.org

70. Recent graduates who are between parental and employer coverage.

71. Employees who have been laid off or former employees between jobs.

72. New employees who are not yet eligible for the employer’s group coverage.

73. Early retirees.

74. People who leave a group policy and want an alternative to COBRA.HealthCompare.org

76. High deductible plans generally have lower monthly premiumsthan morecomprehensive health plans. HealthCompare.org

77. When comparinghigh deductible plans (HDHP) costs with the costs of other plans, consider the potential premium costs relative to your potential health spending for the coming year to determine which plan works best for you and your family. HealthCompare.org

78. It’s important to make an educated guess on what kind of medical assistance you might need in the foreseeable future. This isn’t just true with just HDHP . . . HealthCompare.org

79. . . .but with ALL Health Plans. YOU HealthCompare.org

80. Who is HealthCompare: HealthCompare is your online one-stop-shop for health insurance where you can research and compare plans onlinefrom over 150 national carriers. We Promise: To give you the best results for YOU, we never promote one carrier over the other. We just assess your needs and show you the best options from national carriers with plans in your area. Our Commitment is to YOU: As a division of The Word & Brown Company who has been the leading source for small group health insurance for over 20 years, we have leveraged technology to build an easy-to-use research tool, supported by a world class customer service team. Our Promise #1 HealthCompare.org

81. 1. You can enter your information anonymously HealthCompare.org

82. 2. You can review your plan options online in seconds HealthCompare.org

83. 3. You can even compare plans side-by-side HealthCompare.org

84. 4. Then, you can apply online or call one of our trained Benefits Advisors for help! HealthCompare.org

85. Call toll free 877-641-1101 to speak to a trained Benefits Advisor or… Go to HealthCompare.org today! HealthCompare.org