Buying health insurance online? You need to know the “Do’s and Don’ts” so that you are able to purchase the best medical insurance at the lowest cost from the top available companies. You can pay less for your health care benefits by following some basic guidelines. We’ll show you how easy it is to find and compare quality policies from the most respected providers.
Don’t give anybody your credit card, checking account or other sensitive financial data over the phone. Most insurers do NOT require you to provide those details during the application process. Once you are approved, and you received written confirmation, it is OK. It is also a good idea to request a copy of your application for your records. You can also ask for a copy of any underwriting information that was used to issue your policy.
Do ask for help from a live experienced agent when you visit a website. You’ll be shown plan information from approximately 3-7 companies, which could include hundreds of variations in coverage. If the site is reliable, a live licensed person should be able to pinpoint some of the best plan options. They can also advise you what companies are not competitive. You can also ask them if they are registered with the “Better Business Bureau.” Our website, of course, will provide personalized rates when requested.
Do check the Company Network of available doctors, specialists, hospitals and other health care providers. Having a great insurance plan won’t help you if you can’t use the providers you are accustomed to using. Buying a policy on your own means these items will have to be verified. If you intend to travel to different states, a national company may be a better choice than a smaller local company.
Don’t terminate your current medical plan…and THEN go shopping online for new coverage. What happens if you are inexplicably declined? Now what? Oh…you don’t want to know. You may have a grace period you can use for additional flexibility.
Do utilize our wonderful website, majormedicalhealth.com. The quotes are free. The constantly updated health care reform information is free. The company reviews are free. When state Exchanges are set up, we’ll be your primary resource. But sorry. We don’t give out free coffee. Just unbiased information and low rates!
Don’t buy expensive riders if you don’t need them. If you aren’t going to use maternity benefits, then you don’t need the rider. If you don’t need any additional life insurance, don’t sign up for a term life rider. And if you already have dental benefits, don’t pay for additional dental coverage. Same with vision. There is no reason to duplicate benefits.
Don’t be lured into purchasing a “Discount Plan.” Often advertised as affordable coverage…quite simply, they are not! Usually there is an application fee (which you NEVER should pay when you are applying for a policy), very vague description of benefits and pressure for you to buy before a “deadline” ends. Folks…stay away from these offers. They really are too good to be true.
Do take the time to look over your policy after it has been approved and sent to you. Do you have enough ID cards? Is the premium correct? Is the effective date what you requested? Are all persons to be insured listed separately on the policy? Is your checking account or credit card being billed in the correct manner?
Do make certain that if you are over age 65, that the website specialized in Medicare Supplement plans and recommendations. These types of policies are much different than conventional private contracts. The internet will provide some additional information. But make certain you’re visiting a reputable website. Obviously, we feel ours is in that category.
Don’t expect pre-existing conditions to be covered if you haven’t had prior coverage for a while. Typically, you may have to wait about a year before any conditions/medications you have will be covered. During that time, try to keep you current policy in force, and of course, continue to get treatment for any conditions you have, even if it means paying for the expenses yourself. At some point, those prior conditions may be covered. After 2014, this may not be an issue.
Do utilize your free preventive coverages that are provided by most comprehensive and catastrophic plans. Routine annual physicals, mammograms and child well-check visits are just three of many available benefits. Not only are they free but there is no waiting period either.
Don’t spend any money when you buy online. If a website wants to charge you money or insists that you “try out a new product” before showing you quotes, then leave that web page immediately. And don’t come back. In fact, here’s a Top-10 list that might help you. Instead of purchasing a “Buying Health Insurance For Dummies” book, just read the articles on this website and apply for a policy here!
Buying a medical plan doesn’t have to be difficult. Simply follow some simple guidelines, provide some basic information for a free quote and you’re on the way!