LowWashingtonRates.com will help you find affordable health and medical insurance. Simply enter your zipcode in the form below and click the go button to get your free quotes. We make it simple to obtain multiple quotes from top Washington health insurance companies.
Health insurance is designed to protect you and your family from costly out-of-pocket medical expenses that can accumulate during an extended illness or hospital visit. Health insurance rates are increasing every year. Generally, employers provide some basic medical insurance under a group policy availabe to company employees. If you have employer provided health insurance, this is generally the cheapest option available to you. If you are unemployed, self-employed or if your employer does not provide medical coverage you can usually purchase it independently through an insurance agent or broker. Health insurance helps pay for out-of-pocket expenses for diagnosis and treatment of covered medical conditions. It is important to select a coverage that best fits your budget, age, family needs and lifestyle.
There are generally two types of medical insurance known commonly as indemnity and managed-care plans. The major differences between the two types is evident in how you choose your provider, how out-of-pocket expenses are handled and how bills get paid. For example, under an indemnity policies you usually can choose any doctor or hospital that you wish when seeking services. Under a managed-care plan, you either select a primary care physician who treats and directs all health care for you or you are given a list of preferred providers from which you can chose any provider. Under indemnity plans, you often to pay upfront and are reimbursed after a deductible is applied. Under a managed care plan, providers agree to perform services for patients at pre-negotiated rates and usually the provider handles the claims processing for you.
Washington has a state-sponsored program called Basic Health that provides low-cost health care coverage through private health plans. Eligibility for the Basic Health plan is determined by residency, income and citizenship guidelines. Under the Basic Health program, the monthly premiums vary depending on income, age, family size, and health plan choice. For members who cover children under age 19, there is also a Basic Health Plus program that offers additional benefits including vision, dental, and physical therapy. Eligibility for Basic Health Plus is determined by addditional Medicaid eligibility criteria. Generally, there is a nine month wait period under Basic Health for pre-existing conditions except for maternity care and prescription drugs.
Our customers come from Spokane, Tacoma, Vancouver, Bellevue, Everett, Federal Way, Kent, Yakima, WA and other great cities in The Evergreen State to find low cost health insurance from top rated insurance companies. Washington health insurance premiums vary significantly amongst carriers and plans. To help keep your premiums down, you need to compare multiple quotes. We make that process simple.