The number of online sites where you can get instant online health insurance quotes is virtually limitless. When you are searching for quotes, you will be directed to two different types of sites. Some sites will connect you with insurance brokers – middlemen between you and the insurance companies. Other sites will take you straight to the insurance company itself.
If you are searching for instant online health insurance quotes, enter your zip code now.
To begin your research into online health insurance quotes, simply enter the phrase – online health insurance quotes – into any search engine. When doing so, 30,500,000 results will be returned. So the question isn’t so much as where are instant online health insurance quotes available, as it is how in the world do I narrow down my choices of websites from which to obtain instant health insurance quotes.
You can narrow your choices significantly (from 30,500,000 to 4,670,000) by searching on the phrase reputable companies offering instant health insurance quotes. Add the word top in front of the phrase above and you will chip your results down to a mere 3,530,000.
As you can see, this exercise proves that the choices for online sites offering instant health insurance quotes are literally endless.
What is an insurance broker?
An insurance broker serves as a middleman between the customer and the insurance company. Actually, a broker usually represents multiple companies. A broker will normally meet with a client, obtain that client’s insurance coverage needs, and then match those needs to a represented company and the appropriate coverage. Brokers are typically paid a commission for their services.
Some websites actually serve as brokers. Through the magic of the Internet, searching for insurance quotes has become a lot easier and more convenient. Anyone shopping for instant online insurance quotes can do so from the comfort of their own home, in their own time, and without intrusion of an outside person.
When you access an online broker, you will be prompted to enter detailed information about yourself and your medical history. These websites then use tools to match your qualifications to plans that are available with several different insurance companies. Unlike the process through a human broker, an online broker site will return quotes instantly.
Can I obtain an instant online quote directly from an insurance company?
Yes. Many insurance companies offer tools directly on their websites that you can use to obtain instant health insurance quotes. If you are satisfied with your current carrier and choose to only visit their website that is understandable. Just note, however, that going straight through an insurance company could limit your plan options.
What types of questions will I be asked when I request an instant online health insurance quote?
You will be asked to provide information such as:
- Your age
- Whether you are a smoker
- When you would like your coverage to start
- What medications you are taking
- If you have any pre-existing conditions
You will also be required to provide your name and contact information. After agreeing to some privacy terms, you should be ready to get your quotes started.
What do I do once I have obtained my instant online health insurance quotes?
If you go through an online broker website for your quote, you will still likely get a myriad of results. First, read the list, looking for companies that you recognize. More likely than not, you will be able to choose a plan that meets your needs through one of the reputable sites.
If you obtain your quote directly through the company website, your results will probably be more limited. In either case, you should pay close attention to all the details of the different policies. You want to make sure you are comparing apples to apples. Deductibles, out-of-pocket expenses, coverage, etc. that vary across providers and plans can make a significant difference in the cost of coverage for the plans you are presented with.
Obtaining instant online health insurance quotes can be a daunting task. If you use good judgment, arm yourself with knowledge, know your budget and its limitations, and list your coverage requirements beforehand, you will certainly have a better experience with this task, however. Don’t be hasty and don’t jump at the cheapest plan, though, as you may be left without adequate coverage.
Before committing yourself to a health insurance plan, be sure to research the company you have chosen. This can be done by visiting various insurance company-rating sites such as A.M. Best or Standard and Poor’s, which rate insurance companies’ financial stability. Consumer sites such as the Better Business Bureau are also very helpful with determining how a company treats its customers.
If you are ready to start your search for instant online health insurance quotes, enter your zip code now.