Free Health Insurance Quote
Are you in the market for a free health insurance quote? The first place to start your search is on the Internet. You can research health insurance policies and get free health insurance quotes without ever leaving the comfort of your home.
A health insurance quote can give you a ballpark figure of what you can expect to pay for health insurance and which companies have the best rates for what you want or need. After you have gathered this information you can take it to an independent insurance broker or agent who can help you go through all the information and provide you with additional information as well as answer any questions you may have.
Save yourself some time and money and use our free health insurance quote finder at the top of the page. Enter your information in just one time and view free health insurance rate quotes from competing insurance companies!
Insurability And Your Free Health Insurance Quotes
Several factors will determine your insurability, the rates that are quoted to you and the final premium on your health insurance policy. Make sure you provide all the information as accurately as possible to get the the most accurate health insurance quote.
Are you in good health and do you have any pre-existing conditions? You will have to answer a health questionnaire and undergo a health exam for most health insurance agencies before they will write up your policy. Some companies will even go back as ten years to see if you have any pre-existing conditions that would either exclude you from getting a policy or get you a policy with limitations and exclusions.
What are your personal habits? Do you smoke or drink? Are you overweight putting you at risk for high cholesterol, heart disease and diabetes? How old are you? What is your yearly income? These items as well as other factors that are considered “high risk” can result in higher health insurance quotes.
The Kind Of Policy You Want Affects Your Free Health Insurance Quotes
Policy quotes will vary from insurance company to insurance company, as well as within the same company depending on the type of policy you want. HMO’s are usually the mostexpensive but don’t offer much in the way of flexibility. If you want freedom to choose your own doctors it’s going to come with a more expensive price tag.
HMO (Health Maintenance Organization) – A small monthly fee is paid for your insurance, regardless if you use the service or not. When you visit the doctor you will also have to provide a co-payment. HMO’s not only provide their own insurance coverage but they provide the doctors and clinics as well.
PPO (Preferred Provider Organization) – A PPO will allow you to choose your own doctor. You also do not need referrals to specialists. If the doctor is “in network” (has a contract with the insurance company), your out of pocket costs will be much less for visits. With an out of network doctor you will have to pay any deductibles as well as a portion of the medical costs. A PPO plan will provide you the most freedom in choosing your health care.
POS (Point of Service) – A POS plans combines the PPO and HMO and falls somewhere in the middle of the two in the way of costs. You can choose your own doctor, as long as it is from the list the insurance company provides you and all trips to a specialist have to be approved by your doctor.
Fee for service policy – These can sometimes be the most economical, especially if you are in good health and don’t visit the doctor often. You pay for your medical care up front and the insurance company reimburses you either all or a portion of your charges after deductibles and co-pays are met.
Other Factors That Can Affect Your Free Health Insurance Quote
The deductible you choose. A higher deductible can result in lower premiums. You don’t want to make your deductible too high so that you can’t afford medical bills in the event of a serious illness or accident.
Are you buying insurance for just yourself or your entire family?
The insurance company itself. Larger companies can usually give better rates.
Compare Free Online Health Insurance Quotes Now!
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