Comparing health insurance quotes is one of the first steps in selecting the best healthcare plan for you and your family. Perhaps you are self-employed, or you work for a small business that does not provide healthcare coverage.
Where do you start? Who can help you compare rates and benefits from health insurance companies and find an affordable solution that’s right for you?
You can get the help you need to select the best possible plan. Contact an independent agent in our network who specializes in healthcare coverage to begin your quest for affordable, comprehensive health insurance.
Your agent can get medical insurance quotes for you from multiple carriers for free, and will help you understand the various plans and options.
Getting the Best Health Insurance Quotes for You
When you compare health insurance quotes, there are a number of things to think about:
- Consider each family member’s regular and potential care needs
- Determine whether an annual deductible makes sense for your family
- Think about the amount you can afford annually in premiums
- Consider whether a co-pay makes sense for your situation
- Evaluate your family’s need for medications, therapies and major medical expenses
To get health insurance quotes that are accurate may take some homework. For example, it is a good idea to gain an understanding of the differences between Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs).
Learn about trade-offs such as increasing your deductible to lower your premium. Also, learn about the value of a health savings account (HSA), and whether this program can help you manage your anticipated healthcare costs.
What Agents Need for Accurate Health Insurance Quotes
The best way to shop for affordable health insurance quotes is to choose an agent who understands your needs. Provide your agent with accurate information about your health requirements; the information you provide will affect the quotes you see.
Provide your agent with the following:
- All relevant personal and health information
- The physicians and health providers you prefer
- Whether you are looking for a basic family plan or you have additional needs and concerns, such as hospitalization coverage
Working with an agent who can fully assess your needs and answer your questions can simplify the process of comparing health insurance quotes. A local independent agent in our network can explain what is offered with the different types of coverage and help you make an informed decision.
Considerations for Health Insurance Quote Comparisons
National insurance companies and top-rated carriers typically provide the most affordable healthcare plans. However, it’s still advisable to compare several health insurance quotes, taking into consideration all costs of the various healthcare plans, including premiums and out-of-pocket expenses.
Make sure you completely evaluate the costs of medications, emergency room visits, and regular care. What will you pay per visit? If the plan has a deductible, can you and your family manage regular or emergency healthcare costs before your coverage kicks in?
If the plan includes co-insurance, would you be able to pay the percentage (potentially thousands of dollars) in the event of an unexpected surgery or major medical procedure?
To get health insurance quotes and select the best plan for your needs and budget, work with a local independent agent in our network. Get answers to all of your questions answered and find affordable personal health insurance by contacting a local agent today.