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TurboHealthInsurance.com is a leading provider of low cost health
insurance quotes. Many people
from all walks of life — small business owners and the self-employed, retirees, students, and
people whose jobs don’t provide health insurance — have used this site to learn about health
insurance, compare plans, get free health plan quotes, and lower their healthcare costs.
Here are some of the plans our network of brokers offer:
Preferred Provider Organization (PPO) Plans
With a PPO, most healthcare is provided by a network of providers who are partnered with
the plan and offer a substantial discount to their normal rates. Members can also
receive service from providers outside of the network for a higher out-of-pocket cost.
The major advantages of a PPO are flexibility and choice; for example, with a PPO you
can get specialist visits covered without a referral from your primary care doctor.
Health Maintenance Organization (HMO) Plans
HMOs are a lower cost alternative to PPOs, offering less flexibility but also lower
premiums. Unlike a PPO, HMO members must receive care from doctors, specialists and
hospitals that are within the HMO’s network. With an HMO, you select a primary care
physician, or PCP, who serves as your primary contact for all of your healthcare needs.
In addition to providing general medical care, your PCP must also be consulted in order
to see a specialist.
Short Term Medical Insurance
Also known as temporary health insurance, Short Term Plans typically provide some level
of coverage for major hospital, medical, and surgical expenses related to a covered
illness or injury. Short Term Plans can be significantly cheaper than major medical
plans, but they also offer less coverage. Short Term health insurance is ideal for
people who are waiting for employer insurance to start, are between jobs, or who are
just getting off their parents’ coverage.
Health Savings Accounts (HSA) Plans
Health Savings Account Plans allow you to put tax-free money away to cover healthcare
costs. HSA Plans must be combined with a High Deductible Health Plan (HDHP), which is a
plan that offers low premiums in exchange for a high deductible. HSAs and HDHPs
complement each other because the income tax-free money that you put into your HSA can
be used to pay for your deductible, should you ever require expensive medical care. HSAs
are regulated by the IRS, and have similarities with other investment vehicles; for
example, ownership can be transferred to a spouse tax-free if the account owner dies.
We know that health insurance can be confusing, and you probably have a lot of questions. That’s
why we recommend speaking to a licensed health insurance agent before enrolling in a plan.
Health insurance agents are licensed in their local state to provide advice and help people
select the best plan for their unique needs. There is no obligation to get a free health
insurance quote, and no cost at any time to use this service.
DISCLAIMER: TurboHealthInsurance.com is not a federal or state Marketplace website.
Submitting
this form does NOT affect your current enrollment, nor will it enroll you in a plan. This website
may not
display all data on Qualified Health Plans being offered in your state through the Marketplace
website or
the federal Medicare program. Availability of carriers and products are dependent on your resident
zip code.
Not all plans or benefits available in all areas. Consult a licensed insurance agent to find plans
available
in your area. Limitations and exclusions apply. We do not offer every plan available in your area.
Any
information we provide is limited to those plans we do offer in your area. Please visit HealthCare.gov or
call 1-800-318-2596 to get information on health insurance plans. Please visit Medicare.gov or
call
1-800-MEDICARE to get information on all of your Medicare options.
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