Health Insurance Quotes

Guide to Finding Health Insurance from Life2Health.com

Finding health insurance can be a big challenge, particularly if you are doing it for the first time. Because most Americans get health insurance from their employers, most Americans do not know where to start when they have to find health insurance on their own. Lots of people are in this situation, whether you need insurance because you are self-employed, opened a new business, or have left your previous job and need options.

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Life2Health.com provides you a targeted list of companies who can give you health insurance quotes according to your state and desired health insurance category. Health insurance plans differ according to state, and that is why Life2Health.com’s state-level directory of health insurance providers can help.

Inside your targeted search results, you will find:

• Websites in which you can shop for and purchase health insurance online
• Websites of services that can direct you to licensed agents
• Websites of licensed health insurance agencies

Below are some helpful tips in finding health insurance quotes quickly and simply:

Tip #1: Search for Health Insurance Quotes

This is the most important point for any health insurance consumer: Shop around for health insurance quotes. Not all health insurance agencies represent the same health insurance companies. While you may receive 3-4 quotes on different plans from one health insurance agency, there may be a plan available that is more suited for you that he/she from an insurance company with whom he/she is not affiliated.

Do your research when shopping for quotes. Compare the quotes you receive, and spend the time to know what your options are.   Here is a good place to start.

Tip #2: Understand Health Insurance Prices

Many health insurance consumers make the mistake. Unlike a fixed subscription model such as your cell phone or cable bill, your health insurance premium represents only part of your total health care costs. Assuming you are in need of health care, you will be responsible for costs on top of your monthly premiums. These costs include:

• All costs until you reach your deductible amount
• Any co-payments
• Any health care products and services not covered by your plan
• Any costs that are beyond your maximum amounts of coverage (read the fine print carefully)

Here are a couple helpful hints as you shop for health insurance quotes:

• Health insurance plans are regulated by the insurance departments of each state. This means that you should only work with health insurance carriers that are authorized to do business in that state.
• As such, health insurance plan prices are also standardized. No agent can offer discounts on any particular plan. In other words, if you are purchasing a PPO plan from BlueCross BlueShield and are offered a quote, “shopping around” for a better quote for the same plan isn’t going to do any good. Any agent who tells you otherwise is in “sell” mode.
• As a general, you get what you pay for. If you are paying 25% less for a health insurance plan, you are getting less coverage or will be paying a higher co-payment or co-insurance rate.
• The challenge is finding the right plan that balances both costs (which include monthly premiums costs, deductibles and co-pays) and coverage.

Tip #3: Work with Knowledgeable Health Insurance Agents

Because most of us are not experts in buying health insurance, you should expect that your health insurance agent should be an expert in finding the best plan for you.

• Health insurance agents are also regulated by the insurance departments of each state. You will be able to research information on your agent using his/her license number. You have every right to ask your health insurance agent for this information.
• On your part, learn the basics about health insurance terminology. You don’t have to become an expert, but you should be able to understand the basic terms.

Tip #4: Work with Reputable Health Insurance Companies

Do your research on the insurance company. Go to the Better Business Bureau and other websites which publish customer complaints so you have a full view of the insurance company. Once you sign, you are “married” to that plan for the long-term.

Click here for a quote online.