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Utah Health Insurance |
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| UTAH HEALTH INSURANCE |
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Health Insurance Basics
Introduction My name is Daniel Todd and I am the lead developer of this website. I have 3 kids and a wife who all need health insurance but we don't have time to check prices of all the insurance companies to make sure we get the best rates. Our lives are busy enough. Our money does not come easy so we want to put it to the best use. We hate to waste. This website is dedicated to those who hate to waste money. Below is some helpful information that will assist you in making the best possible purchase for your money. Our development team has put the consumer first in mind while developing this site. If there is something that you would like added to the site please let us know. Types of Insurance
This is a broad term that, in general, refers to any organized plan other than a traditional health insurance company that provides for your health care. Some plans are very tightly structured so that all care is provided by the HMO's employees in the HMO's hospitals or clinics, while other plans are cooperative agreements among independent doctors, hospitals and other health care providers. » More Info POS POS Plans (Point Of Service) This is the newest form of medical insurance. It combines many of the cost-reduction features of an HMO with the option to choose from the insurer's PPO network or any out-of-network physician. » More Info PPO With this plan you are free to use any physician within that insurer's network. The networks are quite large and you don't have to wait for for referrals or stay within one medical group. You also have the option of going outside of the insurer's network to any doctor however, you will pay a higher *copayment percentage. Most companies have a choice of deductibles associated with their PPO plans ($250, $500, $1,000, etc.) and varying *copay percentages. These choices directly effect your monthly premium (lower deductible corresponds with higher monthly premium). » More Info MSA An HSA is a special tax-sheltered savings account for medical bills. It is similar to an IRA. Instead of buying high-priced health insurance with a low deductible and low co-pays, you buy a low cost insurance policy with a "high" deductible (for the "big" bills) and save the difference--in the HSA (to cover "small bills"). Money deposited into the account is 100% tax deductible and can be easily accessed by check or debit card to pay health bills tax-free (even stuff not covered by insurance like dental and vision). What you don't use for medical bills is yours to keep--it stays in your account and keeps growing on a tax-favored basis to a) cover future medical bills; or b) supplement retirement, just like an IRA. In sum, the HSA offers 1) lower premiums; 2) lower taxes; 3) freedom of choice; and 4) more cash at retirement. » More Info |
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Resources | Child Health Insurance | Self-Employed Health Insurance | Contact Us Site Map | Privacy Policy | Disclaimer © Copyright 2004-2007. All rights reserved. Website designed and maintained by OnlyWebsites - Website Design. |
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