Accident Insurance - a more specific type of insurance on which you can receive health insurance quotes. It covers loss by accidental bodily injury to the insured.

Benefit Levels - maximum amount of benefits or services that a person is allowed to receive as specified by a contract with a health insurer.

Benefit Package - what services the health plan offers to the insured under the terms of the health insurance contract.

Co-pay - the insured's financial contribution to the cost of medical care at the point of service. As you receive health insurance quotes, you will see that co-pays vary tremendously by insurer and also depend on whether you receive care in-network.

HMO - Health Maintenance Organization. This is the most popular type of plan for which our customers request health insurance quotes. HMO plans are typically the cheapest but afford the least degree of flexibility in choosing your healthcare providers. An HMO plan will not pay for out-of-network care.

Network - term that applies to managed care health insurance quotes. The network refers to the preferred providers that have arrangements with your insurance company to provide services at discounted rates. Typically, in-network services are substantially cheaper than out-of-network services.

PPO - Preferred Provider Organization. A type of managed care plan on which you may also receive health insurance quotes on our site. A PPO usually has slightly more expensive health insurance quotes than an HMO but offers the insured more say in selecting healthcare providers. With a PPO, you can stay in-network for substantial savings or you can go out-of-network for an additional cost.

Primary Care Physician - the general care practitioner that acts as a gatekeeper to your healthcare when you are on an HMO plan.

Referral - a recommendation from your primary care physician for specialty care. You will need this if you want to see a specialist within an HMO plan.

If you have any inquiries, please check out our Frequently Asked Questions page.