Are you one of the millions of people in the US that don’t have health insurance? Here are some great tips for finding affordable health insurance:
- Find an insurance broker and not a captive agent. (A captive agent can only give offer you rates from the specific company he/she works for. An insurance broker usually represents many insurance carriers and has the ability to shop them all to find you the best rates available.
- Use the internet to find free health insurance quotes. (Make sure that you only use one quoting service online. Using multiple quoting services can flood your phone lines with insurance agents. Usually when you use a quoting service they find you 2-4 agents to get you quotes. If you use 6 quoting services, that 2-4 has now become 12-24.)
Compare more than one company. (Don’t always settle for the cheapest rate. Make sure that you compare the different value-added benefits that each policy has. For example, some policies will have preventative services that are paid for as first dollar expenses, meaning you don’t have to satisfy your deductible first to use them. Preventative services are things like yearly physicals and lab work.) - Check into the possibility of a High Deductible Plan. (I would only suggest this if you are relatively healthy and don’t go to the doctor for every ache and sniffle. With a plan like this you are going to pay for all of the minor and routine medical treatments, saving your health insurance for the major catostrophic expenses.)
These are few really great tips for finding affordable health insurance. Now where do you go to get quotes for affordable health coverage.
I recommend using WFC Marketing's Insurance Website. They can help consumers find affordable health insurance coverage in all 50 states.
WFC Marketing, Inc. is an online service for consumers to get rates for all types of insurance. I like using them because they don’t pass your information to dozens of agents. They usually will have 2-4 agents call you. I have used some services and as many as 12 insurance agents called me the next day. Yikes.
