You can get several quotes on health insurance easily, or you can choose a more time-consuming way. But the attempts that require more effort can provide more valuable information about the policies and their coverage. Shopping for health insurance should not be taken lightly because policies vary a great deal. Some companies who advertise full coverage do not, in fact, cover certain medical care such as radiology, or they have lifetime maximum payouts which are relatively low. Research on coverage is important in addition to cost considerations when obtaining quotes on health insurance.
Instructions
Get Health Insurance Quotes
1. Check websites such as Health Quote 360 or Money Central which offer quotes from several well-known insurance companies including Anthem Blue Cross and Blue Shield, Humana, Cigna and others. Begin by entering your zip code, then answer a series of questions to determine your eligibility and the cost of various policies. You will be required to enter personal identification information so the companies can contact you by telephone or e-mail.
2. Call local insurance agents and ask for quotes on premiums. Some agents work for a specific provider, while independent agents can offer quotes from several companies. Independent agents are especially helpful, because they can explain policy benefits and limitations of various companies without needing to promote one in particular.
3. Visit websites of insurance companies and obtain quotes by filling in pertinent information. Quick quotes show you coverage options and deductibles, and the monthly or quarterly premium price for each type. These websites also offer the chance to apply online.
4. Call insurance companies directly and ask for applications, quote information and policy books to be sent to your address so you can make comparisons.
