Individuals choosing a health plan in Denver have two basic options in medical insurance coverage: Private individual and family health plans purchased directly from the insurance provider, or group health insurance plans. Private medical insurance plans offer the largest variety of health care options. In the individual health insurance market, price is often a deciding factor. But it can also be the most confusing. Choosing an individual health plan is often a choice between cost and coverage. With private medical insurance plans basic medical coverage, including dental, vision, disability, hospital indemnity, long-term care, and prescription drug benefits are included. Private health insurance plans include individual health plans, family health plans, health plans for the self-employed, and short-term health plans.

Employers can offer individual and family group health insurance coverage at reduced rates as part of an employee benefit package. Universities may have similar programs for its students. Although these tend to be the most affordable medical insurance plans, group health insurance plans are not available directly to individuals.

Both individual and group health plans are available in a variety of styles, including HMOs, PPOs, point-of-service plans, and traditional fee-for-service insurance plans. Start getting health plan quotes today to find out which health insurance best meets your needs and budget.

You can find a great individual health care plan through Denver Health Insurance’s online free health insurance quote system. Request a quote online today!