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Health Insurance Quote

By completing the form above you will get a free comparative health insurance quote from national carries with local agents licensed to provide quotes in your state. The process is fast, free, and easy. We offer this service free to consumers as a means to compare rates and benefits and find a comprehensive and affordable health insurance policy.

When you speak with you local agent remember to ask about Dental, Vision, Life and other ancillary products that are often available to health insurance policy holders at affordable rates.

Having health insurance can quite possibly save you a great deal of money. But to optimize the amount you can potentially save, you must search for the best health insurance quotes. The best health insurance quotes are out there, all you have to do is fill out our quote form and you can easily secure the cheapest insurance rates from top companies today.

Health Insurance Information and Resources:

Research is by far your best protection. Fortunately, the Internet is also a great research agent. Determine which insurance coverage best fits your needs, then shop around for companies, agents, premiums and coverage.

In order to sell insurance in your state, the company and the agent must be licensed. To confirm the credibility of a company or agent, check with your state insurance department for the following the facts:

• Is the company licensed in your state?
• Is the company licensed to sell the line of insurance you are interested in purchasing?
• Is the agent licensed in your state and a legitimate representative of the company?
• Does the company have a good record of handling policy complaints? Your state insurance department can provide a list of companies and agents that are licensed in your state.

Once you’ve checked your facts and found the company, agent and policy that suits your needs, you’re ready to purchase. At this point, security is the name of the game. Take some extra precautions to protect your personal information:

• Update your browser. The newer browsers are equipped with more current security measures. One way to check if you are transmitting across a secure site is by checking the address. A secure site address may begin with https:// instead of the usual http://. Or, the site may have a small key or closed lock icon located somewhere in the bottom left or right corner of the screen.
• If you cannot confirm the security of the browser, contact the company or agent and submit your paperwork via fax or mail.
• Take extra precautions when paying with a credit card. Some credit cards may be equipped with anti theft protections.

As you complete your research and purchase, it’s important to keep detailed records. Get all rate quotes and key information in writing for your file. Also, once you decide to purchase online, keep a copy of all paperwork you complete and sign, as well as any correspondence, special offers and payment receipts. Please note: You should receive a copy — not a photocopy — of your new policy within 30 to 60 days of purchase. If you do not receive your copy, contact the insurance company immediately.

Here are some quick “red flags” to warn you against possible insurance fraud:
• Don’t submit to high-pressure tactics. If you are being overwhelmed with offers from a particular group or agent that make you uncomfortable or aggravated, trust your instincts and steer clear.
• Do your research. Scam artists may try to convince you to change coverage quickly without giving you the opportunity to do adequate research.
• Seek advice. If a particular policy requires a large sum deposit in an account, ask a third party — such as a reputable local insurance agent, an accountant or financial advisor — for advice.
• If it seems too good to be true, it probably is!

If it seems too good to be true, it probably is. Nationwide, the health insurance marketplace is facing tough times. The cost of health insurance is rising. Those seeking to make a profit by selling fraudulent health insurance claim that state insurance laws don’t apply. These entities recruit insurance agents to sell “ERISA plans” or “union plans” that falsely claim to be exempt from state law.

Consumers and employers should take care to ask their agents whether the health coverage they are purchasing is fully insured by licensed insurers. A “union plan” sold by an agent, health coverage that seems unusually “cheap,” health coverage that is issued with few questions about the applicant’s health condition or plan material that refers only to a “stop-loss” insurer should alert a consumer to question the selling agent or contact the state insurance department.