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Senior life quotes is a leading provider of low cost health insurance quotes. More than thousands of people from all walks of life - small business owners and the self-employed, retirees, students, and people whose jobs don't provide health insurance - have used this site to learn about health insurance, compare plans, get free health plan quotes, and lower their healthcare costs.
With a PPO, most healthcare is provided by a network of providers who are partnered with the plan and offer a substantial discount to their normal rates. Members can also receive service from providers outside of the network for a higher out-of-pocket cost. The major advantages of a PPO are flexibility and choice; for example, with a PPO you can get specialist visits covered without a referral from your primary care doctor.
HMOs are a lower cost alternative to PPOs, offering less flexibility but also lower premiums. Unlike a PPO, HMO members must receive care from doctors, specialists and hospitals that are within the HMO's network. With an HMO, you select a primary care physician, or PCP, who serves as your primary contact for all of your healthcare needs. In addition to providing general medical care, your PCP must also be consulted in order to see a specialist.
Also known as temporary health insurance, Short Term Plans cover major hospital, medical, and surgical expenses related to a covered illness or injury. Short Term Plans can be significantly cheaper than major medical plans, but they also offer less coverage. Short Term health insurance is ideal for people who are waiting for employer insurance to start, are between jobs, or who are just getting off their parent's coverage.
