Health Insurance Quotes. Compare Rates Near You.

You're covered when life mishaps happen.

Health insurance gives you coverage for all or part of your medical expenses after an injury or sickness. It will also generally covered seeing your doctor for preventative care as well.

When shopping for health insurance you have to consider things from open enrollment, deductibles, co-pays and more.

Thankfully, Policy Scout can help you review health insurance quotes to find the right coverage for your unique situation.

We'll guide you through our Scout Report™ to see what sort of health coverage is best for you unique needs. Additionally we can help match you to several providers to ensure you get the best rates.

Getting the Health Insurance Search Process Started


Your health insurance deductible is the amount of money you pay before your health insurance pays anything. In most policies, the deductible is determined on an annual basis. Plans that have a high deductible will usually have a lower premium, and vice versa.


Your health insurance may come with a copay, but not all policies have this. A copayment is a specific amount you must pay for some services. It can apply both before and after you reach your deductible. You will often see copays on prescriptions or on routine doctor visits, for example.


This term refers to the percentage of the cost you must pay after you hit your deductible.

What Types of Health Insurance Coverage Are There?

HMO: Health Maintenance Organization.

This type of health insurance has you choose a primary care physician (PCP) in your network. Your PCP will coordinate all your care. That means if you require a specialist, your PCP will refer you there. HMO plans do not cover out-of-network costs. They are one of the more cost-effective policies available.

PPO: Preferred Provider Organization.

You can choose between seeing an in-network provider at a lower cost or an out-of-network provider in a PPO plan. You do not need a referral to see a specialist, but you may still designate a PCP. These are often one of the more expensive options.

EPO: Exclusive Provider Organization.

An EPO is a mix between an HMO and a PPO plan. You can still see a specialist without a referral, but you cannot see out-of-network doctors and have coverage. Their premium quotes are usually in the mid-range.

POS: Point of Service.

This plan has a PCP like an HMO plan, but you will have access to out-of-network doctors as well. You will still need a referral to see a specialist.

While every policy is slightly different in what it will and will not cover, every health insurance policy will fit into a few categories.

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Having just the right health insurance plan will save you money while ensuring you can pay for the medical care you need. Let Policy Scout sift through your options and recommend the best plan for you and your family. Contact us to learn more about how we can help.

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