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Information about health insurance for 20 year old?

i just went to ehealthinsurance.com to look at health insurances for just myself. they have alot of stuff that i do not know what it means like plan type. which plan type should i get: ppo or hmo. next they ask about the deductibles. what kind of deductible would u recommend getting. i have no idea what a dedectible is anyways. they also have a catergory about coinsurance and office visits. if possible maybe you could just log into there as a 20 year old and tell me which is hte best insurance for its price. im really desperate i have no insurance and dont want to take the chances. thank you

What you just explained is the reason why people are generally better off dealing with a local agent who has access to multiple companies. 800-whoever or a random website is not set-up to make recommendations based on your personal needs or explain jargon in a way that you can understand it. That type of call-center environment also tends to have the least experienced agents staffing the place. Find a local agent who can explain this stuff to you.

Call Blue Cross. Get the number from 411.
They will explain a plan for you.
Unless you have preexisting conditions, a 20 YO usually gets a cheap rate.

A deductible is what you would pay out of pocket for medical services. After you paid that amount, the insurance would kick in and cover you for whatever the schedule of benefits say.

A PPO stands for preferred provider organization, HMO means health maintainence organization. PPO menas that you can see any Dr on the list of those in the network. Usually you do not need referrals to see a specialist. HMO's usually have a PCP (primary care physician) which is your "gatekeeper"...all your medical care goes through him/her. You do need referrals and must see a Dr within the network.

PPO's allow more freedom than an HMO, but usually cost more in premiums.

There are other differences, but these are the major ones.

I usually recommend to my clients that if you are young and healthy, go for a plan with a high deductible (3500 or so) and link it to a HSA (health Savings account). You put $ into a HSA and it earns interest, is not taxable, but can only be used for approved medical expenses. That way, if you never use the money in it, it still earns interest.

Hope this helps.
If you are young and healthy, you probably don't need the PPO, so go for the HMO because it is cheaper. Go for a high deductible policy- if you get hit by a bus, you will have to pay more out of pocket. But if you don't get hit by a bus, you will save money, because your monthly payments to the insurance company will be much lower. If you just have something really minor wrong with you, like a cold, go to a walk-in clinic and pay out of pocket. Hopefully you won't have many health issues!
please try this
<a href="http://www.jdoqocy.com/click-1748196-104... target="_top">help</a>
<img src="http://www.tqlkg.com/image-1748196-10426...
Visit this web site:
http//:www.mybenefits plus.com/JBurke
Its not insurance but a discount card.
I think its $49.95 a month and Medical, Vision, Prescriptions, Chiropractic, and Medical is included.
Hope this helps you.