Do you need an insurance quote for personal health insurance?
Whether you need a simple major medical policy or a comprehensive policy that includes health, dental and eye insurance, you can find the best rates by visiting an insurance comparison website online and getting free quotes from multiple A-rated companies. ratings.
On the best comparison sites, you can even get answers to your questions and money-saving tips from insurance experts by using the site’s online chat service (see link below).
More money-saving tips
Comparative shopping is just one step you can take to find a cheap health insurance rate. What else can you do to save on your health insurance?
One thing you can do, if you want medical, dental and/or vision insurance, is look for bundled packages. These packages will cost you less than buying these insurance plans individually. The packages are especially common for HMO and PPO plans.
Also consider whether a major medical plan is a good option for you. Such plans cover you against major accidents and illnesses while you pay for smaller costs such as regular doctor visits.
If a major medical plan isn’t the best choice for you, consider increasing your co-payments and deductibles. The more you are willing and able to afford out-of-pocket expenses, the less you will have to pay in monthly premiums.
Also make sure you get or stay healthy. People in good health pay less for their health insurance. If you smoke, quit. If you need to lose weight, start eating better and exercising.
More than money
When purchasing your insurance policy, keep in mind that cost should not be your only consideration. Be sure to evaluate the benefits as well as the monthly premium.
Also, check each insurance company’s rating and customer service. You can check an insurance company’s rating at AMBest.com and check their track record at JDPower.com.