Health Insurance

Find health plans for yourself and your family

Whether you’re trying to find new health insurance, save money, or improve your coverage, we can help you. We have selected eHealthInsurance to bring you competitive online quotes and help you compare coverage options. When you work with eHealthInsurance, you’ll be able to:

  • Get instant rate quotes from multiple health insurance companies.
  • Compare health insurance plans and benefits.
  • Get advice and recommendations online or speak with experienced insurance agents.
  • Apply for the health insurance plan that works for you.

You can apply for a health insurance policy online through eHealthInsurance. When you work with eHealthInsurance, you’ll simply follow these quick and easy steps:

  1. Click either Compare health insurance quotes or Compare HSA-compatible health plan quotes, and you’ll go to the eHealthInsurance website.
  2. Provide information about yourself and your family, if applicable.
  3. Choose the plan that fits your needs.
  4. Apply for a policy online. It’s that easy!

When it comes to finding health insurance for you and your family, there are several things to consider.

Getting started with health insurance

One of the most important steps is to determine the extent of coverage you want, particularly:

  • Your out-of-pocket limit, a yearly limit that caps the amount you would have to pay for medical treatment that year. Once you reach this out-of-pocket limit, your expenses typically become covered; however, having a lower out-of-pocket limit may mean you pay a higher premium.
  • Your annual deductible, which determines how much you must pay for health care each year before the insurance company begins paying. Again, having a low deductible may mean you pay a higher premium.

It’s important to determine what benefits are important to you, and to be aware of the additional costs you may pay for specific benefits.

What health insurance covers

Though coverage levels will vary from plan to plan, most major medical health insurance plans will cover doctor’s visits, ER visits, hospital care, lab work, and prescription drugs, among other things. Some may cover mental health, chiropractic and maternity care too.

Keep in mind, increased benefits generally mean higher premiums, so it’s important to choose what works best for you.

Managed care vs. indemnity plans

You should also consider whether you want a managed care plan or an indemnity plan.

  • Managed care plans vary from state to state, but most offer a network of doctors and clinics that you can choose from. These plans are usually one of the following types:
    • Health maintenance organization (HMO)
    • Preferred provider organization (PPO)
    • Point of service (POS)
  • Indemnity plans offer a broader selection of providers than managed care plans, but you typically pay up front for your medical services and then are reimbursed the costs of covered services by your insurance company.

Because coverage varies between the types of plans, it’s important to understand exactly what your policy will and will not pay for.

An HSA-compatible health plan, combined with a Health Savings Account (HSA), is a great way for you to save money on healthcare costs. Your HSA can be used for qualified medical expenses not only for yourself, but for your spouse and tax dependents as well.

An HSA-compatible health plan may be a good option for you if:

  • You want to lower your health insurance premiums and pay for out-of-pocket medical expenses with tax-free funds.
  • You’re self-employed.
  • You or your family have ongoing qualified medical expenses not covered by insurance.
  • You’re planning on elective surgeries and other procedures that are not covered by standard health insurance but are considered qualified medical expenses.

To learn more about Wells Fargo Health Savings Accounts for you and your family, please visit our Health Savings Account website.

Health insurance questions

What is the difference between an HMO, a PPO, and a POS?

Most HMOs (Health Maintenance Organizations) minimize the out-of-pocket expenses members pay for medical care, as long as members use the HMO's preferred providers and facilities. If members go outside of the HMO’s network of providers, they may be responsible for paying more or the entire bill.

In addition, members must choose a primary care physician, and see that person first whenever they need medical attention. The primary care physician will make necessary referrals to specialists.

With HMOs, the per-visit cost or annual deductible is usually lower than with other plans.

Typically, a PPO (Preferred Provider Organization) charges members slightly more than an HMO to use out-of-network providers and facilities, but does not require referrals from a primary care physician to see specialists.

PPOs are generally more flexible than HMOs, but tend to cost members slightly more. The cost per visit and annual deductibles are usually higher than with HMO plans.

POS (Point of Service) plans combine the features of an HMO with a PPO. Members choose whether they want to pay a flat fee for a network provider, or whether they want to pay a deductible and/or coinsurance charge to see an out-of-network provider.

I'm young and in good health. Do I still need to get health insurance?

If you become ill or get into an accident, the medical expenses could be staggering. To protect both your health and your financial well-being, you should purchase health insurance.

I am self-employed. Will my health insurance cover work-related injuries?

If you’re self-employed, it’s important to learn how your health insurance does or doesn’t apply to work-related injuries. You may wish to consult an insurance advisor about how health insurance and/or workers’ compensation insurance applies in your situation. Some individual health insurance plans exclude all coverage for work-related injuries.

I recently left my employer and began a new job, and won't be eligible for health insurance for several months. What should I do in the meantime?

Depending on the reasons for your departure, you may be eligible to extend the group insurance your former employer offered — but you must apply. Don't delay. You have the option to continue your previous group insurance without interruption by applying for the Consolidated Omnibus Budget Reconciliation Act (COBRA) extension within the grace period after your employment is terminated. You may also want to shop for individual health care plans to find alternative coverage options at competitive rates.

I applied for health insurance, but was declined. What should I do?

Some people have health conditions that prevent them from buying an individual health insurance plan from an insurance company. If you’re in this situation, contact your state's Department of Insurance. Many states have special programs to help people who have trouble purchasing health insurance.

I have Medicare, but should I consider a supplement?

Most people consider purchasing a health insurance plan to supplement Medicare after age 65. Learn what is and isn’t covered by Medicare by visiting the Medicare website. If you’re still employed, find out how your employer's group plan coordinates with Medicare — and what happens when you retire.

Where can I learn more about Health Savings Accounts (HSAs)?

To learn more about Wells Fargo Health Savings Accounts for you and your family, please visit our Health Savings Account website.

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