Learning how to buy health insurance is complicated…
We want to make it simpler for you. There is a lot of info to learn, but with some time and patience, and a little help, you’ll find the plan that is right for you and your family. When you do purchase the plan that fits your needs, it will leave you with a feeling of security and independence, a great combination.
Quotes and Applications
If you are just getting started in the process of buying health insurance take a look at the menu to the right. Select a ‘Plan Type’ that matches what you need, and start reading. Take your time and explore the site. Please follow the ‘Contact Us’ link at the bottom of this page if there is something specific you are looking for we haven’t written about yet.
If you know what kind of plan you need, but don’t exactly know how to buy health insurance, start by looking over free quotes from an online company like eHealthInsurance. They are not a health insurance company. Rather, they allow you to comparison shop all the major providers like Aetna, Anthem, CIGNA, Well Point, United Healthcare, etc. All you have to give them is basic, anonymous information like sex and age, but no contact information. You will then be redirected to a page that lists the different plans available in your area, sortable by premium, deductible or plan type. If you need further help deciding on a quote, refer to any of our pages that match your type of plan. For plan specifics, eHealthInsurance offers help either online or over the phone.
Once you know the plan you want, you will be able to apply directly online. Its important to be honest when filling out your application forms when it comes to pre-existing conditions. Failing to disclose prior medical care can give the insurance company a reason to deny coverage later. Once your application is electronically submitted, it will either be rejected, accepted or accepted conditional on a new quote. Quotes on premiums can sometimes change based on your health history.
Its also important to keep in mind that you are not signing a long term contract, as with a cell phone. If you would like to change your premium or deductible, or switch to a new provider, you may do so at any time. Of course, the changes would only cover future medical care, not any recent or prior health care costs.
If buying health insurance online is not something you are comfortable with, it’s likely there are independent local agents in your area that you can talk to. They can work with you one on one to sort through the details of different quotes to get you what you need. With any type of insurance or real estate agent, personal referrals are the best way to find someone you can depend on. You would still be wise, however, to at least look at the free quotes offered online for different levels of coverage. Its an easy way to be well informed about your choices. Knowing your different options will allow you to speak more comfortably with your agent.