Washington, D.C. Health Insurance

In the most basic sense, Washington D.C. health insurance is a risk management tool. Although it may seem unnecessary when you and your family are healthy, it can save you from paying an exorbitant amount down the road when you need health care.

At InsureMe, we can help you find the plan that's right for you with little effort on your part. Simply provide us some information and we'll do the work behind the scenes to get you up to five, free Washington, D.C. health insurance quotes.

You've taken an important step by acknowledging your need for health insurance. Now take the next step and contact InsureMe. Get insured today!

Walking through Unfamiliar Territory

Washington, D.C. health insurance isn't a complicated subject. It just takes some basic understanding so you can sort through your options. There are two main groups of health insurance: indemnity and managed care. To determine which form of health insurance best suits you, take into account your budget, the degree of flexibility you want and the amount of coverage you need.

Indemnity Plan (Fee for Service): Generally the most costly, indemnity plans offer the widest selection of health care providers. However, this type of Washington, D.C. health insurance plan requires that you pay the full amount immediately and send the bill to the insurer for a refund. 

Insurers use three factors to determine how much to reimburse you. The specifics, however, depend on your policy.

• Actual Charges: No matter how much your health care costs, the insurer pays it in its entirety.
• Percentage of Actual Charges: The insurer pays a set percentage, regardless of the cost, and you pay the difference.
• Indemnity: The insurer pays a specified amount over a certain time period predetermined by the plan. The amount paid never exceeds the actual cost of care.

Managed Care Plan: In this type of plan, your health care is literally managed by your primary care physician who belongs to your health insurance plans' network. The three types of managed care plans include:

• Preferred Provider Organization (PPO): The main concept behind a PPO is the "network." This type of Washington D.C. health insurance plan allows you to choose any health care provider from within your network, determined by your policy, OR any non-network health care provider. A co-payment or co-insurance may be required. Staying in-network saves you a bundle!
• Health Maintenance Organization (HMO): Like the PPO, the HMO requires a co-payment to an in-network physician. However, the HMO plan does not pay for out-of-network services. If you need specialty care, you must get a referral from your primary-care physician.
• Point of Service (POS or Open Access HMO): This Washington, D.C. health insurance is similar to the HMO. However, when you need care, you can go out of network for medical care and receive a reimbursement of 50 to 80 percent, and you may also be required to pay co-insurance and a deductible.

Go Ahead and Ask: Washington, D.C. health insurance FAQs

What exactly is health insurance?

Like all types of insurance, Washington, D.C. health insurance is a shared-risk contract between you and your insurer. The premiums you pay each month ensure you will have the coverage you need to pay all your health care expenses.

What's a deductible?

A deductible, quite simply, is the amount you pay out of packet for your Washington D.C. health insurance plan. The exact amount is predetermined and covers that portion of your health care your insurance doesn't cover Your annual deductible usually applies to hospitalization or other services.

What's the difference between a co-pay and co-insurance?

A co-pay is the predetermined amount you pay when you receive care. This amount varies depending on your Washington D.C. health insurance plan. Co-insurance is the portion of your health care you pay along with your deductible, usually a percentage. Co-insurance is common in the indemnity and PPO plans.

Looking Forward to the Future

InsureMe is here to help you find the right Washington D.C. health insurance. Get the coverage you need now while you're still healthy, and work toward a hearty future.

Stop procrastinating. Get your free quotes today!