How to Get Affordable Family Health Insurance

Thanks to the high cost of health care, the averageallow you to see non-network physicians by paying an
cost for family health insurance is now more thanextra fee. Some PPOs have deductibles of $500 to
$10,000 a year. But there are ways to get affordable$2,000, and co-payments average $5 to $10.
health insurance. Here's how ...PPOs are the least restrictive but the most expensive
Types of Family Health Insuranceof the family health insurance plans.
The two most common family health care plans areWhich Plan is Best for You
HMOs (Health Maintenance Organizations) and PPOsIf you want a plan with the least amount of
(Preferred Provider Organizations).paperwork, the cheapest premiums, and the cheapest
HMOsout-of-pocket expenses, then an HMO is what you're
With an HMO you are assigned to a network of healthlooking for. If you want to be able to use a doctor of
care providers whom you must see for all your healthyour choice or you have a chronic condition such as
care needs. There are usually no deductibles (theasthma or arthritis, then a PPO is your best choice.
amount you pay before your insurer pays a claim), andAffordable Family Health Insurance
co-payments are around $5 to $10 per visit.In order to get the most affordable family health
You are also assigned a primary care physician whoinsurance plan, you need to compare rates. The
oversees your health care, and if you need to see aeasiest way to do this is to go to an insurance
specialist you'll need to get permission from him or her.comparison website where you can get rates from a
HMOs are the most restrictive but the least expensivenumber of different companies.
of the family health insurance plans.On the best comparison sites you can get answers to
PPOsall your health insurance questions, online or by phone,
PPOs also assign you to a health care network, butfrom insurance professionals. (See link below.