Where can I find a health insurance companies directory?
These days the best place to find a health insurance companies directory is on the internet. Each state has its own regulations for insurance so the types and number of health insurance companies in each state will vary. It is always good to check out a number of companies before choosing one because the benefits and premiums will vary.
Another easy way to find companies and compare FREE health insurance quotes is to just type in your ZIP code right now!
The internet makes many things easy and convenient to search for. One of the ways you can search for a directory is do a general internet search and type in the words ‘health insurance companies directory’ and you will be given a number of results.
How can you find health insurance companies in your state?
One good source for insurance companies that are legitimate is the insurance department in your state. Health insurance companies are required to register with the state insurance department in order to sell policies and carry out business.
If you call your state department you can get a list of insurance companies that are legitimate and approved by the state insurance regulators. This is a good way to start making a list of companies you’re interested in because you can also find out which companies may be fraudulent or have had multiple complaints against them. Use the interactive map on the website for the National Association of Insurance Commissioners to get contact information for your state’s insurance department.
How do you determine the best insurance policy?
The perfect insurance policy for one person may be a terrible policy for another person. Everyone’s health needs are different, as is their budget. Before you begin searching for and comparing health insurance policies, you should sit down and evaluate what you want from health insurance coverage as well as how much you would like to spend.
If you are a person who gets sick a lot and/or goes to the doctor often, you may be willing to spend more on your insurance premiums in order to get better prices for your co-payments and lower deductibles.
If you hardly ever go to the doctor and you just want coverage in the case of emergencies and accidents, you probably want to look for a high deductible health insurance policy. If you spend money on alternative care such as supplements, acupuncture, massage, and chiropractic, you may want to couple your high deductible coverage with a health savings account for those expenses.
Evaluate whether it is important for you to be able to choose your doctor and hospital. If it is, you probably want to choose a PPO plan, in which you are covered for any provider you choose. These plans are often more expensive.
If it is not necessarily important as to whom you have take care of you, you may want to choose an HMO plan. With an HMO you have to choose your provider from a list and you cannot go to a specialist unless you are given a referral from your regular doctor. These policies are usually less money than a PPO plan.
If you are purchasing insurance just for yourself, you will want to get individual health insurance. If you are getting it for everyone in your family, look at family plans. If you are employed, check to see if you are eligible for group health insurance through your employer. For ideas on what questions you should ask when looking for health insurance, check out this article from the Insurance Information Institute.
How do you compare the health insurance companies from the directory?
Once you have determined what the best policy would be for your insurance needs, you can choose a few health insurance companies from the directory and compare their benefits, prices, and policies.
At this point, it would be best to call these companies and speak with a representative. Compare the types of benefits they offer and see if it matches what you want. Also compare their premiums for different deductible amounts.
You may also want to compare the financial ratings of each company. This can be found by going to the A.M. Best website. See what the rating and outlook is for the different insurance companies.
It is best to choose a company with an A or higher rating and a stable outlook. If the health insurance company you have chosen does not have these, move on to a different and reputable health insurance company.
Fill in your ZIP code right now to check out health insurance rates FREE from different companies!