Health Insurance Online Quote
Getting a health insurance online quote makes a lot of sense for busy people. Instead of having to make phone calls and wait to meet with an agent, you can use the power of the Internet to get an online quote for health insurance.
It is possible to get a quote online for many health insurance products in just a few quick moments if your use our free online health insurance quote comparison tool located at the top of the page.
Let top insurance companies compete for your business – get started with a free online health insurance quote comparison now!
Health Insurance Quotes Online: Available Insurance Products
Here is a list of the types of health insurance products you can get quotes for online:
INSURANCE FOR INDIVIDUALS & FAMILIES
These types of insurance plans are called either managed-care plans or indemnity plans.
Managed-Care Plans: HMOs (Health Maintenance Organization), POS (Point of Service), and PPOs (Preferred Provider Organization) are all examples of managed-care insurance plans. This type of healthcare usually involves seeing practitioners and visiting hospitals that are participants in a network. In return for patient referrals, doctors and others provide services at lower rates than they normally charge. Many of them will submit insurance claims on their patients' behalf. Along with lower out-of-pocket insurance costs, patients can choose from a large pool of healthcare providers in the network.
Indemnity Plans: If are covered by an indemnity plan, your insurer will provide payment after receipt of an invoice. You may need to pay for the services up front and then wait for reimbursement from the insurer.
INSURANCE FOR COLLEGE & UNIVERSITY STUDENTS
Student health insurance is offered to people under the age of 29 who are full-time college or university students. If you are interested in this type of coverage, be sure to ask whether you are still covered after you graduate or if you decide to stop going to school. Some plans continue to provide coverage after graduation, as long as the premiums are kept up to date.
Discount cards are available for such healthcare expenses as prescription drugs, eyeglasses, dental care, and chiropractic treatments. In a similar way to managed-care plans, you need to see a healthcare provider who has chosen to participate in the discount card company's network. Once you have paid the fee, there are no limits to the number of times you can use the card. The amount of the discount will vary, depending on the type of service and the practitioner involved. When you receive your discount card, you can start using it (and start saving).
Health Insurance Online Quotes: Options For Small Business Owners
Small business owners can also get online quotes for their employees' health insurance needs.
GROUP HEALTH INSURANCE PLANS
Offering group health insurance benefits to employees can be a way to get (and retain) good workers. When candidates are considering a job offer, they do consider employer benefits as part of the decision-making process. A business with as few as two workers (and in some states even a company with just one worker) may qualify for a group health insurance plan. Since group health insurance premiums are tax-deductible for the employer, it makes good business sense to consider starting a group health insurance plan for your employees.
INDIVIDUAL HEALTH INSURANCE PLANS
Many employers offer their employee's individual health insurance coverage in the place of group health insurance coverage for some of the following reasons:
Individual health insurance is cheaper than group health insurance coverage.
Individual health insurance premiums paid by the employer are tax deductible by the employer (as with group health).
Individuals can keep their individual health plan even after leaving the employer.
DENTAL INSURANCE PLANS
The cost of dental services can be significant, and offering dental insurance is another good strategy for attracting top-notch talent to your business. If you decide to make this benefit available to your employees, you will be in good company. Over 80% of small businesses that offer group health insurance coverage also offer dental insurance to their employees.
The cost of providing dental insurance varies, depending on a number of factors, including:
Number of Employees
Specific Provisions of the Plan
Percentage of Employee Contributions
Limitations of the Dental Insurance Plan
Competitiveness of the Insurer's Rates
As an employer, another benefit to offering dental coverage to your employees is that when employees visit their dentist on a regular basis, they tend to be healthier. Sick time is reduced, and productivity increases. You may be thinking that adding dental insurance to an existing health insurance plan will be expensive, but the good news is that it is not. Offering your valued employees dental coverage, in addition to medical insurance, will work out to less than an additional 10% of what you are currently paying for medical insurance.
Compare Health Insurance Quotes Online Now!
You can get a health insurance online quote right now from many different insurers. All you need to do is click on the tool at the top of the page to get started!