These are plans that combine the above discount plans with reimbursements paid to you or the doctor. They can be helpful if sold properly and to the people who need it. They are best suited for people who cannot get traditional insurance due to health reasons.

Mini-medical plans will send a specific dollar amount for a specific amount of visits or days in the hospital ranging from $25-$50 per office visit and $250-$1000 per day in the hospital. The concern is that a hospital stay for 5 days can cost over $25,000. At the most this plan will pay $5,000 for that 5 day stay leaving you with the brunt of the bill; a debt that will prove nearly impossible for most people to get out of.

A discount plan is a product that is put together from a marketing company which combines association benefits such as car rental discounts and gym membership discounts with health networks. These networks can get discounts on medical bills usually ranging from 10%-30%. Telemarketers have been known to exaggerate these savings by emphasizing the words “70 %”. We have heard many stories of people being told that they will have no deductible and pay nothing at the hospital. This is not true.

Our agents are trained to help you shop and find a plan that works for you. With other online companies, you are left in the dark to find and research a plan on your own. You wind up buying a plan because it was the cheapest, to later find out it does not have the coverage you thought it did. Insurance can be a confusing process.

We pride ourselves on customer service. The process does not stop once you are approved with a plan. If you EVER have any problems, questions, or just want to say hi, your agent is a phone all away.

Health insurance is the same price no matter where you purchase it. Why not purchase it from a company that cares, and will be there for you when you need us.

These telemarketers are NOT licensed agents and are selling discount plans or mini-medial plans as real health insurance. This is what an intelligent insurance shopper should do before making any purchases over the phone:

Every person is different and has different needs. The best way to determine which plan is the right one for you is to call one of Insuranceline.net's licensed agents and work with them to determine which plan will work best for you.

Our friendly licensed agents will review: Your budget, how often you go to the Doctor, do you take prescriptions, do you have any illnesses, do you want basic coverage or a complete plan with all of the bells and whistles, do you need short term insurance, or are you going to keep your plan, and what is your primary reason for purchasing Insurance. Your answers will help them work with you to find the right plan.

Co-insurance is what you are responsible for after the deductible. For example: the most common co-insurance is an 80/20 plan. With an 80/20 plan the insurance company willpay 80% of the covered medical expanses after the deductible and you will pay 20%. If there is a charge of $100, then you will pay $20. Insuranceline.net advices clients to purchase plans that limit your out of pocket expanse.

A deductible is your portion of the charges before the insurance company begins to pay. As a general rule, the lower your deductible is, the higher your monthly payment will be. The higher your deductible is, the lower your monthly payment will be. Deductibles usually range from $500- $2500. HSA plans will go as high as $10,000. Most hospitals will bill you for your responsible part of the bill.

Legislation establishing Health Savings Accounts (or "HSAs") took effect on January 1, 2004. HSAs and HSA-eligible health insurance plans are becoming more and more popular. Here are the basics:

• An HSA is a tax-favored savings account that may be used in conjunction with an HSA-eligible high deductible health insurance plan to pay for qualifying medical expenses.
• Choosing an HSA-eligible health insurance plan may help you save money. Typically, the monthly premium on an HSA-eligible high deductible plan is less expensive than the monthly premium for a lower-deductible health insurance plan.
• Contributions to an HSA may be made pre-tax, up to certain annual limits.
• Funds in the HSA may be invested at your discretion. Unused funds remain in the account and accrue interest year-to-year, tax-free.

HMO (Health Maintenance Organization) plans typically enable members to have lower out-of-pocket healthcare expenses but also offer less flexibility in the choice of physicians or hospitals compared to a PPO. As a member of an HMO, you'll be required to choose a primary care physician (PCP). Your PCP will take care of most of your healthcare needs. Before you can see a specialist, you'll need to obtain a referral from your PCP.

With most HMO's there is not a deductible and minimal co-insurance. However, the disadvantage with an HMO is that you most likely will not be able to use a physician or hospital outside of the HMO network, and will not be covered for medical expanses not referred by your primary care physician.

As a member of a PPO (Preferred Provider Organization) plan, you will want to use the insurance company's network of preferred doctors and hospitals. These healthcare providers have been contracted to provide services to the health insurance plan's members at a discounted rate. You won't have to pick a primary care physician. You will be able to see a specialist without having to get a referral from a primary care doctor.

You will be able to use doctors and hospitals outside the network as well, but usually there will be more out of pocket expense on your part.

With a PPO there is usually an annual deductible you will have to meet before medical bills are paid. Most companies offer plans with Physician co-pays and Prescription co-pays that are NOT subject to the deductibles.

There is usually a percentage called co-insurance that you will be responsible for after the deductible. Make sure that the plan you are purchasing has a “stop loss” or a maximum out of pocket that you are responsible for.

The insurance offered at your work, was most likely more expensive than the individual insurance you are looking to purchase. When you receive coverage through an employer, the employer is required to pay a portion of the monthly premiums, usually 50% or more. You only had to pay a small portion of the monthly premium.

Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations. If insurance through your employer is not an option for you, it is still important for you to obtain coverage. You will find that individual insurance is very affordable. With a knowledgeable, licensed agent, it can also be quick and easy.

All the services offered by Insuranceline.net are provided at no extra cost to you, the consumer. If you purchase a health insurance plan through Insuranceline.net, you'll pay the regular monthly premium directly to the health insurance company. You will pay nothing to Insuranceline.net. Our fees are paid by the insurance companies in the form of commissions, which are built into the premium amount. You pay the same premium if you purchased the plan from Insuranceline.net, another insurance agent, or directly from the insurance company.

Insuranceline.net's agents are licensed in all 50 states. Though all of our plans are not available in every state, you will find that we have plans available in a vast majority of states to give you the coverage you need. To see if we offer plans in your area, simply put your zip code in the quoting engine and only plans available in your area will appear. Or simply call one of our licensed agents to see which plans are available in your area.