Finally, a one-stop-shop for all the leading health insurance quotes in the country. Simply enter a few pieces of information above and Vista Health Solutions will return comparative health insurance quotes and plan options that work for you. Have questions about how to compare health insurance quotes or the plans listed? Give us a call at 1-888-215-4045 and one of our top rated customer service representatives will assist you.

Why is it important to compare health insurance quotes?

Health insurance costs have been on the rise especially for the past few years. Because of this, some people forgo purchasing coverage. This is a big mistake. If you were to suddenly become injured or require medical treatment for an illness, how would you pay your medical bills? Having health insurance coverage protects you from these losses. It ensures that you can afford to access health care when you need it without breaking the bank. Get instant health insurance quotes and compare health insurance coverage today to make sure you are covered!

Not all health insurance policies need be expensive. There are a lot of health insurance plans available that will fit your medical needs and budget. Get health insurance quotes today and see how you can save on quality coverage.

We offer a variety of plans from HMOs, PPOs, EPOs , POSs to HDHPs through top health insurance providers. Get instant health insurance quotes from us and we will give you an assortment of affordable plans. Our plans are available to individuals, the self-employed and small business owners.

Different Types of Plan Designs

HMO — a prepaid health insurance plan that provides health care through a network of contracted hospitals and physicians. Premiums are reasonable and there is no deductible. There is a need to assign a primary care physician who will give you a referral before seeking care from a specialist.

PPO — Preferred Provider Organization. Like an HMO, a PPO also provides care through a network of contracted physicians. But unlike an HMO, PPOs offer flexibility in terms of choosing a health care provider. A member may choose to seek care from physicians and facilities outside the network without needing to get a referral. In a PPO plan, there is no need to assign a primary care physician. Members though are encouraged to get their care from providers within the network by having to pay lower co-payments compared to getting care from providers outside the network.

EPO — Exclusive Provider Organization. This type of plan gives members easy access to specialists because there is no need to get a referral but you need to assign a PCP. Care is limited to health care providers within the network.

POS — Point of Service plans are considered to be a plan in between an HMO and a PPO. It is not as restricting as an HMO yet it is not as flexible as a PPO plan. Like an HMO members need to select a PCP who will give them a referral to get care from specialists. Like in a PPO plan, members may choose to get care from out of network providers but it will cost more in the part of the member. Going out of the network also requires members to do the paperwork involved.

HDHP — High Deductible Health Plans are different from the other managed care plans like those mentioned above. This is because the coverage does not start from the effective date. Members need to initially pay out of pocket for their health care costs until they reach their deductible. A deductible is the amount set by health insurers that need to be reached by the members before their coverage starts. The advantage of having this type of plan is the low monthly premiums.

When all the health insurance quotes available for you are generated, you might feel overwhelmed. Here are a few tips that should help you sort through the plans.

Tips while shopping health insurance quotes:

• Do not merely focus on the premium. Also consider your part in the cost-sharing and analyze the benefit package.

• Look at the carrier. Does the carrier have a good reputation? Do they have a wide network of doctors and hospital in your area? Can you easily talk to their representatives? You can check this information by doing a search on the National Committee for Quality Assurance (NCQA) website. Through their health plan report card, you can check how well they’re doing.

• Consider HDHPs. High Deductible Health Plans (HDHPs) have low premiums allowing you to save on premiums. Before deciding on this plan, think if this plan will work for you.This may not be a good plan if you have a baby or a small child or if you often need to see your physician. Because of the high deductible, you will have to pay 100% for the fee.

• Get in touch with health insurance brokers or carrier agents if you feel that you need to discuss your options with an expert in the field.

* NY Health insurance is community-rated which means that premiums do not vary depending on a person’s health condition, age or gender but the rate is fixed based on your area. The rates also differ based on the carrier and the plan design.

Aside from Healthy NY, the following are the New York public health insurance programs:

• Medicaid — very low income families can apply for free coverage through this program ; available to children and adults
• Family Health Plus — This program is available to low-income single adults, childless couples and parents aged between 19 — 64 whose income is a little too much for Medicaid.
• Child Health Plus — this program offers very affordable or free health insurance coverage to low-income children up to the age of 19.
• Prenatal Care Assistance Program — this program is designed to provide health care coverage to pregnant women even until after they have delivered. Health care coverage is extended to their babies even beyond 1 year old.
• NY Bridge Plan — this program was created to provide coverage to uninsured NY residents with pre-existing condition.
• Medicaid Cancer Treatment Program (MCTP) — a Medicaid program that provides coverage for the treatment of people with breast, cervical, colorectal or prostate cancer
• Medicare — a federal health insurance program for seniors (65 and older)
• Medicare Prescription Drug Program
• New York Elderly Pharmaceutical Insurance Coverage (EPIC) Program — a supplemental coverage that takes care of seniors’ prescription drugs.
• Health Coverage Tax Credit — helps people pay for their health insurance premiums.