We'll explain how the application process works and what the basic types of health insurance are.
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How It Works

Learn everything you need to know about health insurance quotes here. We'll explain how the application process works and what the basic types of health insurance are.

You will notice that the health insurance quotes on a POS plan are very similar to those for an HMO.

About Health Insurance

Though our trusted partners can offer you price estimates on a variety of policies, there are three primary types of policies. Each is explained in detail below.

  • Preferred Provider Organization (PPO): A PPO centers on the concept of a network. If you get rates on this type of a plan, you can choose a health care provider in your network, as specified by your policy. Alternatively, you can also choose a provider who is out-of-network, but this usually costs considerably more in co-pays or co-insurance. If you stay in-network, you can reap substantial savings.
  • Health Maintenance Organization (HMO): An HMO is another type of plan for which you can apply for price estimates. Similar to a PPO, an HMO requires a co-payment when visiting an in-network doctor or specialist. But, unlike a PPO, an HMO will not pay for services you receive outside of the network. Though you have less say in determining your health care provider, you will notice that HMO quotes are generally the most affordable. Your general care physician will act as a gatekeeper who must provide a referral for you to receive specialty care.
  • Point of Service (POS) or Open Access HMO: You will notice that the pricing on a POS plan are very similar to those for an HMO. But, unlike an HMO plan, a POS plan allows you to go out of network for care. However, your insurer will usually only reimburse you for 50%-80% of your costs, and you may also have to pay a deductible or co-insurance. Please visit our glossary for more details.

Applying for Quotes

You can easily apply on our site in just a few simple steps:

  1. Fill out our free, online application. The first step to getting a policy is to fill out our free, online application. We will ask you only for some basic information about yourself, so you should be able to complete it in just a few minutes.
  2. We match you with insurers that can offer affordable policies. We will instantly provide you with up to five quotes from some of the largest insurers in the business. You will see these quotes side-by-side to help you compare easily.
  3. Apply for a policy with the insurer of your choice or save your quotes for later. If you see a policy that meets your needs, you can then apply for it with the insurer of your choice. Alternatively, you can save your information and return later, if you wish.