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Illnesses and hospital visits have become extremely expensive, which is why it is increasingly important to have adequate medical insurance to offset some of these costs. Health insurance covers expenses for treatment and diagnosis of a number of medical ailments. Health insurance can be expensive, which is why most employers offer some basic medical insurance coverage to you. Those who do not have the benefit of employer provided health insurance may purchase coverage independently through a broker or an agent. Age, lifestyle, budget, and family needs are important to consider when you are choosing the right health insurance plan for you.

There are two different types of medical insurance to consider – managed-care and indemnity plans. These two types of plans differ in how bills are paid and the handling of out-of-pocket expenses. In a managed-care policy a primary care physician is chosen to treat and direct you to any additional care needed. Your health insurance company agrees to cover services at pre-negotiated rates, and the provider handles all processing that is needed. In an indemnity policy you are free to choose any doctor or hospital that fits your needs, but you have to pay up-front and will be reimbursed after the deductible is applied.

Employer provided health insurance is usually the most affordable option when choosing a healthcare plan. As a second option, Consolidated Omnibus Budget Reconciliation Act (COBRA) plan may be the best if you are eligible. If not, you may be considered “Federally Eligible” for a Health Insurance Portability and Accountability Act (HIPAA) plan.

Our customers come from Des Moines, Cedar Rapids, Davenport, Sioux City, Waterloo, Iowa City, Council Bluffs, Dubuque, Ames, and many other cities throughout Iowa to find low cost health insurance from top rated insurance companies.