Best Individual Health Plans For You

If you work for yourself, or if your company does not provide a group medical benefit, you probably need to shop for an individual health plan. This plan may just cover you, or it may also include your spouse and/or children. Insurers have developed many types of medical coverage to suit different types of customers, but it can be difficult to determine which plan will provide your family with satisfactory coverage at an affordable price. Let's look at the major types of health insurance plans on the individual market today.

• PPO (Preferred Provider Organization) - PPO health insurance plans are very popular because they have a network of medical providers to control costs, while allowing consumers to leave the network if they accept a lower level of coverage. In general, you will still get network coverage if you need to seek medical services for an emergency, even if you go outside the network. If your network does not provide a certain medical service which your need, they may also coverage that service at the network rate. However, you will need to get that service pre-authorized to be sure.
• HMO (Health Maintenance Organization) - An HMO provides managed care where the health insurance company controls costs by only covering network provided health care. Again, an HMO will generally make an exception for emergencies or for certain services that are not included in their network.
• HSA (Health Savings Account) - An HSA plan has two parts. One is a high deductible major medical plan, and the second is a savings account. HSA contributions can be deducted from taxes (within limits), earn interest, and roll over from year to year. The high deductible health plan may include a PPO network to help control costs.
• Indemnity Health Insurance - This is a traditional health insurance plan that simply provides health insurance coverage for amounts over the deductible, and under the maximum specified in the policy.
• Specified Benefit Plan or Mini Med Plan - The plans outline specific benefit amounts for different medical services. They may have lower deductible amounts than major medical plans, but tend to have much lower maximum limits for medical services.

So, which health plan is best for you? You need to consider your own expectations, needs, and budget. Your health insurance plan will not do you any good if you need to cancel it because the premiums cost too much. You may need to accept a higher deductible or more cost sharing than you desired in order to reduce monthly payments. When you buy health insurance on the individual market, you will certainly look at it differently than when an employer contributed a large portion of the premium.

If you live near a large HMO network provider, you may find that managed care really helps you control costs. However, many people enjoy the flexibility of a PPO because it still controls costs but does not require them to seek every treatment from the medical provider network. HSA plans work well for good savers because they allow the covered people to participate in the cost control process.

Compare Individual Health Insurance Plans with our safe, fast, and free insurance quotes. Also, learn more about the Best Health Insurance Plans, and how they work.

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Can You Make Easy Money With Paid Surveys?

If you are here, you are probably wondering if you can really make some easy money with paid surveys? The short answer - YES!

Paid surveys have been around for some time now, however; to most people, they are relatively new. The concept is simple: You take a survey that lasts anywhere from 10-30 minutes, and you get compensated for your time. Sounds easy enough, right? The truth is, that really is all that there is to it. You literally just fill out surveys that match your interests and you get paid!

So, you now are probably thinking, "Where can I find the survey sites that will pay me to take surveys?" Paid survey sites are all over the internet. With a little research, you should be able to find the most popular sites around. You can also sign up with a paid survey listing website. They do charge a membership fee (around $30), but it is well worth it in the end, as you will have access to a database that lists over 1,000 survey sites and more! No more searching for the best sites - They will ALL be right in front of you.

The key to making good money with paid surveys is to sign up with as many sites as you can. The more surveys in your e-mail, the more money you can crank out. You won't see big earnings if you only belong to a few companies. Why? Well, they just don't send enough surveys for you to make the big bucks. Start off small and continue to sign up to new sites when you begin to master paid surveys. By that time, you will have your pockets lined up nicely!

If you want to find out about the best survey sites available, check out my reviews of the Top 4 Survey Sites at Paid Survey Reviews. There, you will be able to learn all about what paid survey sites are the best, what sites to stay away from, and how you can earn big money each week with paid surveys!

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