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Health Insurance Quote

Written By onci on Wednesday, March 19, 2008 | 10:27 PM

Health Insurance Quote


Health insurance is important to everyone because you never know when an emergency or illness will show up. It is very expensive nowadays to get sick and not everyone can afford to pay the high cost of doctors’ fees. The skyrocketing price of hospitalization, diagnostic procedures, medications, and follow up visits make it even more difficult. This is the reason it is beneficial to consider the different health insurance quotes offered by all the companies out there.


Everybody needs to get health insurance. To do so, you should pay attention to the health insurance quote being given by different companies. One should take extra care in choosing which health insurance quote to consider because each health insurance company offers a different policies. Make sure the health insurance quote is not being sugar-coated by the company that is offering it.



The tremendous increase of health insurance prices in recent years is the reason why people are becoming more and more interested with health insurance quotes by different companies. The high incidence of diseases has been attributed to various health-related factors such as lack of regular exercise, unhealthy food choices, exodus of doctors away from poor areas and rural areas, alcohol consumption, cigarette smoking, the popularity of drug addiction, increased body fat leading to obesity in a big fraction of the population and the sedentary life led by most individuals nowadays.


Health insurance quotes first started in 1694 by Hugh the Elder Chamberlen. In the late 19th century,health insurance quotes were for disability coverage only.

Now, a health insurance quote includes what the insured will get should he choose that insurance. The insurer pays the medical costs of the insured should the insured become afflicted with sickness due to diseases or accidents covered by the health insurance. There are private organizations and government agencies who offer health insurance.


Health insurance quotes may come from private companies or they maybe government-sponsored. government health insurance maybe offered on federal, state, or local level.


Health insurance coverage quotes can come from a managed care plan. Their health insurance quotes include plans having their own doctors and hospital affiliations which would readily provide health care to their members should they need such. However, the disadvantage of this type of plan would be that if you visit a doctor or hospital out of the plan's network, a charge will apply.



A Fee-of-Service plan’s health insurance quotes will offer payment for the doctors and hospital bills. The insured will pay the company a monthly premium. Two kinds of fee-of-service plan exist. One of them is the basic health insurance which offers to pay the room and care during confinement, the cost of surgery, along with some diagnostic procedures and the medications. Another fee-of-service health care plan includes paying the cost of long-term illnesses or injuries.
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