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The Best Affordable Health Insurance Providers in Alabama

What is Health Insurance?

People in Alabama acquire health insurance through different ways.

Health insurance helps shield you financially in case of illness or injury. Several health insurance companies in Alabama offer affordable health insurance. Some residents acquire health insurance through their work, while others elect to participate in state exchanges or buy a personal or family policy. 

You’ll likely encounter different terms that have to do with coverage. It’s important to understand what these terms mean since they’ll determine how much you’re required to pay and how much your insurance company covers. 

• Deductible
  This is the payment that you have to make first before insurance kicks in. Some plans have higher deductibles but lower premiums and vice versa. 
• Premium
  This is an amount that you pay every month to the insurance company to keep your policy active. 
• Coinsurance
  This is a portion that you and your insurance pay when you get treatment. You might see this written as 80/20, which means that the insurance pays 80% of the entire, and you pay 20%.
• Copay
  This is a small amount of money paid to your doctor or specialist when you visit. It does not count toward your deductible. 

Types of Health Coverage

There are a few types of health insurance coverage in Alabama. Here are the most common: 

• Health Maintenance Organization (HMO)
  An HMO is a medical network that consists of hospitals, doctors, and specialists that have agreed to take part in the HMO to help simplify medical costs and treatment. You’ll select a primary physician who is responsible for your care. To see a specialist, you must have a referral from your primary physician, and for the cost to be covered by the HMO, the specialist must also be in the network. As a result of this close-knit healthcare management system, you’ll have very little paperwork to deal with and enjoy lower costs. This makes an HMO an excellent choice for cheap health insurance in Alabama. 
• Preferred Provider Organization (PPO)
  A PPO provides you with a more extensive network of doctors and hospitals. You won’t need a referral from your doctor to see a specialist. If you decide to see a doctor outside of the PPO network, you’ll have to pay more than if you saw one in-network, and you may need to file a claim with the PPO to be reimbursed for some of the cost. This culminates in more paperwork and more freedom and flexibility in seeing a doctor or specialist out of your network. 
• Point of Service (POS) Plan
  A POS plan is like a blend of HMO and PPO plans, and it grants you the freedom to select your own doctor but with a lower amount of paperwork. You may have to pay a part of the bill and file a claim with the POS provider to be reimbursed, but you’ll get the most substantial degree of freedom to see the doctor and specialist that you want. 

What Does Health Insurance Cover?

Alabama health insurance covers various treatment and procedures, such as rehab, ambulance, mental health, hospitalization, prescription drugs, etc.

Health insurance covers procedures, treatments, and surgeries related to illnesses or injuries. Depending on your plan, it may also cover some or all of the following: 

• Rehabilitative services
• Ambulance services
• Mental health care
• Laboratory services
• Pediatric care
• Wellness checks
• Hospitalization
• Emergency services
• Prescription drugs
• Newborn and maternity care

What Does Health Insurance not Cover?

Health insurance typically does not cover: 

• Long-term nursing home care
• Elective or cosmetic procedures
• Dental, vision, and hearing
• Infertility treatments
• Alternative therapies
• LASIK

The Best Insurance Providers in Alabama

Sure, you can scour the internet for the best quotes in Alabama; however, it’s not easy to identify the best provider from the rest. To do this, you may need the help of an independent body, such as us, Health Insurance Plans. We help you find the best quotes depending on your preferences. Our loyalty doesn’t lie with any insurance company – we are here to get you the best deal. Don’t get swindled or receive a plan from an unreliable provider. Call our dedicated staff who are ready to help you navigate the tricky waters of health insurance.

Resources and References:

• Medical Care Copayment
• Coinsurance