Washington Health Insurance Quotes

Washington health insurance quotes are what you need to compare the best prices for the medical coverage you need if you live in the state of Washington. Whether you live in Seattle, Spokane, Tacoma, Vancouver, Bellevue, Everett, Kent, Yakima or another town in Washington, health insurance quotes are available so you can compare prices and get the best deal.

Before choosing a Washington health insurance plan, though, you need to know about the different types of policies available and issues that could arise if you overlook coverage you might need now or in the future.

Here are the basic types of health insurance you will likely encounter when comparing Washington health insurance quotes: HMO plans, PPO plans, POS plans, EPO plans, HDHP plans, SDHP plans, prescription plans and discount plans.

As you can see, there is a staggering array of insurance options for Washington residents who want to buy health insurance to cover their medical costs. Let's take a look at them one by one.

Options for Washington Health Insurance Quotes

Washington HMO Health Insurance Plans: HMOs (Health Management Organizations) have several pros and cons. On the good side, insurance rates are usually lower when you go with an HMO. The problem is, it is rare that you would be able to see a doctor or specialist outside your network and be covered. Often HMOs do offer incentives and education as there is heavy emphasis on prevention, which is cheaper and better than treating diseases once they occur.

Washington PPO Health Insurance Plans: With a PPO (Preferred Provider Organization), you will pay a co-pay when you visit your doctor. A PPO is a group system that's put together by the insurance company, and they will give you a list of doctors in the plan. If you want to visit a doctor outside of the plan, you can, but insurance won't pay as high a percentage, and your co-pay may also be higher. There is usually a deductible with this type of Washington health insurance that you will have to meet every year before the insurance company will pay the rest of your medical bills.

Washington POS Health Insurance Plans: In a POS (Point of Service) plan, you don't have quite as much freedom of choice as you do in a PPO, but certainly more than in a Washington HMO. In this type of plan, your primary physician refers you to specialists when needed, rather than you simply deciding to go on your own. You can see specialists out of your network, but you will have to file all the paperwork with your insurance company for reimbursement, and the plan doesn't pay as high a proportion of the bill as it would if you chose a specialist within the network.

Washington EPO Health Insurance Plans: An EPO (Exclusive Provider Organization) plan can be a great option for people who are relatively healthy looking for an inexpensive plan. EPOs are much like HMOs, only they tend to be even cheaper. The main difference between and HMO and an EPO is that HMOs pay the medical providers monthly based on the number of customers in the plan, whereas EPOs pay per visit at a negotiated rate.

Washington HDHP Health Insurance Plans: A HDHP (High Deductible Health Plan) offers Washington residents a lot of flexibility to make their own decisions about healthcare. A HDHP is coupled with a HSA (Health Savings Account) or HRA (Health Reimbursement Arrangement), depending on your situation. This way you can save for future medical expenses and collect interest on the savings that aren't used. When you hit retirement age, you can withdraw the money from your health savings for non-medical expenses without a penalty. Until then, you can pay your deductible from your health savings. The one obvious problem for some people with this type of policy is that deductibles can be quite high.

Washington SDHP Health Insurance Plans: a SDHP, or self-directed health insurance plan, is like a hybrid between a PPO and a HDHP. Like a PPO, you can choose to see specialists out of your network and still be partially covered by your insurance. And like a HDHP, there are high deductibles. You can fund a self-directed account for your expenses, and the nice thing is that any unused money in your account will roll over to the next year. If you are healthy and don't go to the doctor much, this is a great way to save for future medical expenses without overpaying for services you won't use today.

There are also other types of health insurance policies available in the state of Washington.

Get the Best Coverage for the Lowest Cost with Our Washington Health Insurance Quotes

Find the best policy by using our Washington health insurance quotes request form. We have a network of 200 insurance providers competing for your business, so you are certain to get a great deal.

It only takes a couple of minutes to fill out the request form, and before you know it, you'll be able to compare several different Washington health insurance quotes so you can get the policy that's right for you or your family. It's quick and easy to save money – simply fill out the form now!