No Medical Insurance
No medical insurance. Now what do you do. The answer is simple…Or is it? You simply view free health care quotes online and buy medical insurance from a reputable website or broker. There are no physicals to take and once approved, you can utilize benefits. That wasn’t so difficult! So let’s take you through the process so instead of having no medical insurance, you will have a personal ID card indicating you’re covered.
Your Health
How is your health? Do you have serious medical problems that need immediate attention? Or have you received treatment for internal cancer or heart disease within the last seven years? If so, obtaining coverage through your DOI (Department Of Insurance) might be the best choice. Also, your State Risk Pool is established to find affordable medical coverage for persons that otherwise can not find a company that will insure them.
If you don’t have any serious medical issues (usually, high blood pressure, cholesterol, asthma, allergies and most other conditions are acceptable) then the process will be easy. An agent with plenty of experience that represents multiple companies is a good resource. Or, you can make it simple and get your health insurance quote at the top of the page (by providing your zip code).
What Type Of Policy
What type of coverage do you want? If you are mainly concerned with “big ticket” items such as hospital and surgery expenses, then a “high deductible” policy will suit your needs best. The rates are low and policies like this (catastrophic plans) will pay for the big expenses and allow you to sleep at night!
If you are willing to pay a higher rate in exchange for much better office visit and prescription expenses, then a “comprehensive” policy would suit your needs the best. This type of policy is much more common when you have multiple dependents and the likelihood of many more claims is likely. And you can always change from one type of policy to another, or from one carrier to another (assuming you can medically qualify).
How Much Do You Have To Pay Now
That varies. There are still a few companies that allow you to apply for a policy without paying an upfront premium and without providing any credit card or billing details. In some states, for example, Blue Cross does not request an initial payment to accompany the application. However, many carriers do require you to give them billing information. Often, once the policy is approved, you will be charged that premium. Of course, you can request a refund if the policy is unacceptable to you.
How Long Will It Take To Get Your Medical Insurance Approved?
Not too long. If it is a short-term policy, then you can expect an answer from the underwriter within a few days. Sometimes you are immediately approved. For most other plans, it usually takes between a week and a month to issue a policy. You do not have to take an examination, but the application must be reviewed. Sometimes, if there are existing conditions, additional information (such as medical records) may be ordered.
However, if you request a specific date for the policy to take effect, generally that request is honored if the process takes longer than anticipated. Of course, this assumes you are approved and you accept the offer that is made by the insurer.
The Insurer Told Me My Policy Was Approved. Now What?
Congratulations! You now have medical insurance! Your ID card will be arriving shortly with a policy that may take you a few weeks to read! But take the time to read it and make notes of any portions of the contract that you don’t understand. Before you seek treatment, make sure your providers are “in network.”
Great tips as always. Although I DO have coverage right now, in a few months I WON’T! It’s refreshing to have a resource where I can get free quotes and no hassle.
Thank you for your help!
Having no insurance is not where I wanted to be but finances forced my hand. So I appreciate your help in finding a plan. I requested a quote and found a great option from Aetna and your rates were in fact the lowest that I found. Just wanted to give you a heads up.
That’s me! No insurance right now. I received the quotes and will look them over. I need a policy for about 6 months and a high deductible is fine. Thank you for your time.
Just applied for coverage on your site. Easy process. Thanks.
No medical insurance? That’s me which is why I am here. Looking for decent coverage under $400 per month. Healthy and 45, so it looks like I’ll be OK. Appreciate the help!
I have coverage now but won’t have health insurance in December. Hope you can help. I’m single,healthy and live in Altoona, Pa. I would like basic coverage with no frills. Just simple stuff.
Actually, I used to have no medical coverage. I do now and was shopping around. Your quotes are easy to compare which helps a lot. I’m mainly focusing on copay plans with higher deductibles. Take care.
Great website Ed! I use it all of the time with our school kids.
We’re a bunch of teachers and opening a new online store in our community. Your site provided us with great information. You have helped a great deal and appreciate the free medical quotes!
Good stuff! I just requested a quote from your website. I don’t need a policy now but after I graduate in the Spring, I will. I can handle $70 per month.
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