There are a number of places where you can get a quick health insurance comparison, and most of them are online. The comparisons come in different formats, including comparisons of price, customer reviews, types of plans offered, and more.
You can start your comparison here with the FREE quote tool; compare health insurance rates just by entering your ZIP!
Health insurance is an important piece of the puzzle, not only for your health but for your finances as well. While comparing prices is a good way to compare insurance plans, you also want to make sure that the plan you end up with is sufficient for your healthcare needs.
How can I compare health insurance plans?
There are a variety of ways you can compare different health insurance plans. One is with the phone. You can get in touch with a number of insurance companies in your area and speak with an agent from each. If you know what the main categories are that you would like compared, you can get that information fairly easily from health insurance agents.
A possibly faster way to find out that same information is to contact an insurance broker. A health insurance broker has access to multiple companies so you can gather all of your comparison information from one source. You can also call the insurance companies directly through their toll free number. Ask each company the same questions so that your comparison is accurate.
If you have a computer and an internet connection you can do an online comparison. There are many websites that have already done the work for you and you can see all the comparisons on one page. This makes it convenient and easy for you.
You can also visit the websites for a number of health insurance companies, obtain a rate quote and other information, and compare each one. This may take more time but at least you know that you are getting the correct information about each company. If you are researching each company, make sure they are financially stable. You can find out this information for no charge by going to a website such as A.M. Best.
What type of information is compared online?
When you go to websites that compare health insurance companies, you will find that there are certain things that they compare. Many companies are focused on comparing prices. Since this is one of the most important aspects of choosing an insurance plan, these websites are quite popular with individuals shopping around.
Other websites show a more comprehensive comparison. J.D. Power and Associates is one such site. The concept of websites such as J.D. Power is that consumers rate and compare different companies. The J.D. Power website lists these comparisons for a number of industries, with health insurance being one of them.
For each state, consumers rate five or six health insurance companies in eight different categories. A rating of one is the lowest rating and five is the highest. For ranking health insurance companies, consumers rate overall experience, benefits and coverage, provider choice, communication and information, claims processing, statements, customer service, and the approval process.
The ratings are listed and compared. An award is then given to the top ranked company. Keep in mind that the ratings vary according to the state, so make sure to compare ratings for your own state.
How do I apply for a health insurance plan?
Once you have done a comparison of health insurance companies and have chosen one, the next step is to apply for coverage. You can contact the insurance company, either by phone or online, and apply directly through them. You can also use a health insurance broker or agent, who can help you fill out the application. Most insurance companies will charge you an application and processing fee.
When you fill out the insurance application, make sure to be honest and not leave out anything from your health history. If you file a claim in the future and the company finds out that you lied on your application, there is a good chance that your claim will be denied. Your premium may increase, you may also end up losing your health insurance coverage altogether, and the company may even have grounds for a lawsuit.
Doing a health insurance comparison is one of the best ways for you to find the best insurance plan for you or your family’s needs. Type your ZIP code in the FREE search box in order to compare health insurance quotes now!