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Individual Health Insurance (개인건강보험)
보상내용
If you are self-employed, a part time worker, entrepreneur or student, you need an affordable individual health insurance plan. However, cheap health insurance too often equals poor coverage leaving you with exorbitant costs in case of serious illness. Luckily, you can review online health insurance quotes nearly instantly here at HealthInsuranceCoverage.com. Simply enter some quick facts about your medical history and we'll send you a customized listing of individual health insurance plans that fit your budget and needs. It's fast, easy and best of all, it's free!

PPO vs. HMO vs. POS vs. FFS

The onslaught of acronyms can be a bit daunting - but understanding the differences is vital to determining how much you pay for individual health insurance coverage. Here's a basic rundown:

Preferred Provider Organizations (PPO): Low co-pays, no referrals needed for in-network providers with the option to visit out-of-network providers for additional costs. Higher monthly premiums.
Health Maintenance Organizations (HMO): Low co-pays, less paperwork, coverage for preventive-care. Must choose a primary care physician (PCP) and out-of-network visits are not covered. Lower monthly premiums.
Point of Service (POS): Similar to HMO, but allows limited coverage for out-of-network visits. Must choose a doctor or specialist from a list of preferred providers.
Fee-For-Service (FFS): Most flexibility, coverage for any provider, no referrals needed for specialist. More paperwork, higher deductibles, higher monthly premiums.

Prescription Coverage

Prescription coverage can have a significant effect on your overall healthcare costs, especially if you regularly take medications. Review individual health insurance plans for the following details:

Name brand or generic?: Generic drugs can often be more affordable - but make sure your plan covers them.
Deductible or co-pay?: A deductible refers to a certain dollar amount you will be responsible for when paying for medications (the rest of which is covered by the health insurance company), where as a co-pay is a percentage of the total cost that you pay each time you fill a prescription.
Types of Medication: If you currently take medication (such as birth control or blood pressure medication) ensure that your prescription is covered by your plan.

Family Health Insurance (가족건강보험)
보상내용
Your family's health is your most treasured asset - don't let it go uninsured. If you are self-employed, between jobs or working part time, you may find it difficult to find a comprehensive and affordable family health insurance plan. But even a single day without insurance coverage is as reckless as driving without a seatbelt. Many health insurance companies offer short term health insurance to keep your family safe until you find a long term plan to suit your needs and budget. Not sure what you can afford? Apply here today for free health insurance quotes on all types of family health insurance - it's fast, easy and free!

Coverage For Your Family

Costs for family health insurance varies widely, with short term health insurance typically costing more and covering less, especially when attained outside of a group policy. When deciding which features to include in your plan, make sure you are familiar with the following basic terms and concepts:

Provider Network: Health insurance companies connect you with a predetermined network of healthcare providers and specialists. How flexible your plan is depends on the type of network. A PPO plan allows you to visit anyone within the Preferred Provider network, while an HMO plan requires you to choose a Primary Care Physician, who will refer you to any specialists.
Prescriptions: Pay close attention to which medications are covered by your plan, especially if you already regularly take medications. Some plans are more inclusive, while others require you to pay a larger portion or full price for certain prescriptions.
Specialists: If you need to visit an allergist, a physical therapist, an ENT, a surgeon or another specialist, you may need a referral. Knowing which specialists you can visit can save you a significant amount of money.
Deductible/Co-Pay: Deductibles and co-pays are the "out-of-pocket" expenses that you will pay when visiting the doctor or filling a prescription. Co-pays are typically a percentage of the total cost while deductibles are a certain amount that you must pay before the health insurance companies pick up the bill. Review these carefully, as they vary widely within plans.
Premiums: Usually paid monthly or yearly, premiums are your regular "subscription" fees you pay in order to enjoy family health insurance coverage and other types of health insurance.
Group Health Insurance (학교, 회사, 기관)단체보험
보상내용
One of the best ways to get affordable health insurance plans with excellent coverage is through group health insurance. If you are an employer or the head of an organization, your group status entitles you to deep discounts for individual health insurance, family health insurance and other health insurance plans. Just as your organization taps the synergy of teamwork to boost productivity, being covered by group health insurance allows greater coverage and lower costs for all of your members or employees. Save money on your group health insurance plan by carefully researching your options. Begin with a fast, simple and free quote on group health insurance from HealthInsuranceCoverage.com.

Benefits of Group Health Insurance Plans

Aside from the better coverage, group health insurance plans offer several tax benefits and savings for your company and employees. These include:

Premium Write-offs: When you are an employer, you are allowed to write off 100 percent of your premiums that you pay towards health insurance.
Health Savings Accounts: Health Savings Accounts or HSAs, are beneficial for both employers and employees. An HSA is money that is set aside specifically for the purpose of medical care. Contributions to an HSA are tax-free and can be written off from state and federal income tax.
Wellness and Lifestyle Programs: Many insurance companies cover programs that promote healthy lifestyles and preventive care. Through a group health insurance plan, your employees and their families may be eligible for discounts on yearly teeth cleaning, exercise programs, smoking cessation programs and more.
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