Millions of Americans are under-insured and the worst thing is that they don’t even know it. Getting an online health insurance quote is the best way to prevent this. It will tell you just how much health insurance you and your family really need so that you aren’t left paying a medical bill you thought was covered. There are currently about 25 million under insured individuals in the US, according to The Commonwealth Fund, a health research and policy organization based in New York. Don’t let yourself be one of them.
Before health insurance quotes became available online, prospective clients had to deal directly with the insurance agents who calculated the amount of health insurance needed based on the company’s unique and often complicated formula. This is the real benefit of a online health insurance quote; it can be accessed for free and right from your home computer. Instead of spending hours on the phone answering tons of questions for your insurance company, you can instead quickly fill in the form online and within minutes have the best individual health insurance coverage that you need.
The online health insurance quote will require you to answer a variety of different questions and as long as your values are accurate, you will get a precise coverage amount. To speed along this process, it is helpful to have some basic health information about you and your family ready to go. Be ready to answer questions such as:
• How much do you currently pay for health insurance? • What are your out-of-pocket medical expenses? • How often do you visit the doctor? Get lab tests? Surgery? • Do you have a history of medical problems? • How much of a deductible do you want?
Try to ignore the temptation to raise your deductible too high just to save on your monthly premiums. You never know when you will get sick and have to pay high insurance costs before you can start claiming. After paying this deductible, are you really even saving any money?