Online Health Insurance Quotes

Should I.. or Should I Not...do a self quote on the Internet?

The answer is when it comes to really preparing for, and possibly making a purchase (really a policy offer), you should definitely NOT use this method.

The reasons are not really apparent but they boil down to this: There are many fine points to a policy and many components. One easily seen one is the deductible period. Is it a calendar year, or is it a policy year? This could make a difference, particularly if you are looking to obtain a policy in the last quarter of a year.

Now that may be an item most readers know about, but there are many, many others.

Chances are quite great that the company you are getting an online quote from will not explain the various options (particularly if they don't offer them all). You'll get an honest quote FOR WHAT THEY ARE SELLING but is it really what you would want if you knew your choices? Probably not.

So.. the answer is to work with a live agent, and ideally one that works in and knows your specific area. This agent should be able and willing to meet with you in person if that's your desire. And after a sale, he or she should be available and not pass you off to the great 1-800, “Press 1 for....” world.

Health insurance is the most service oriented of the major 3 insurance groups: Health, Car, and Life. In life insurance, if a policy needs to be paid, there's no questions about deductibles, etc. It's either due to be paid or it's not; Car insurance has a few more options, but in health, there's such an infinite variety of possible claims and coverages you should be working closely with an agent that you feel comfortable with.

Does this infer that online quotes are a total waste of your time? Certainly not. In fact, it's a good idea to explore as you can get a “feel” for what cost ranges are; possibly learn some of the terms.

We hope this has answered your question and possibly concerns. As always, your feedback is welcome in the “Contact Us” section of this web site.