Before you choose an affordable health insurance plan in Tulsa, you should be sure you know what kind of health care you need. Are you suddenly without health insurance and looking for a quick, fairly cheap plan to cover you until you can find something more permanent? Maybe you don't have a lot of money and need health insurance that won't break the bank. Or, you might be ready to buy a health insurance policy in Tulsa.
Health insurance for a short time
Short-term health insurance in Tulsa is great for people who used to have health insurance but lost it because they were fired or laid off, or because they changed careers and haven't yet found a job with health benefits. Short-term health insurance policies in Tulsa usually cover you for up to a year (but some only cover you for six months, so make sure to ask), let you see any doctor you want, and pay for regular doctor visits, tests, hospital care, and medications. Most short-term health plans don't cover maternity care, so if you're pregnant or could become pregnant, it's not a good idea to choose one of these plans.
Health insurance for major or catastrophic illnesses
In Tulsa, catastrophic health insurance, also called "major medical," is great for young people who are self-employed or haven't yet found a permanent job with health benefits. Major medical health insurance covers major medical care and procedures, like major car accidents, emergency surgeries, complications during pregnancy, or any other health problem that could keep you in the hospital for a long time.
HMO, PPO, and POS are all types of health insurance.
Most employers offer HMO, PPO, or POS health insurance plans, but people can also buy them on their own. They cover more things than other plans, and their premiums and co-pays are set up in a different way. With these plans, you can also choose a doctor from a network. Any of these plans might be hard to get used to, so make sure to read the fine print and talk to your insurance agent.
