Do you need an insurance quote for personal health insurance?
Whether you need a simple major medical policy or a comprehensive policy including health, dental, and vision insurance, you can find the best rates by going online to an insurance comparison website and getting free quotes from multiple A-rated companies.
On the best comparison sites you can even get answers to your questions and get money-saving tips from insurance experts by using the site’s online chat service (see link below).
More Money-Saving Tips
Comparison shopping is just one step you can take toward finding a cheap rate on health insurance. 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 to look for bundled packages. These packages will cost you less than buying these insurance plans separately. 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 like regular doctor visits.
If a major medical plan is not the best choice for you, consider raising your co-payments and deductibles. The more you’re willing and able to pay in out-of-pocket expenses, the less you’ll have to pay in monthly premiums.
Also be sure to get or stay healthy. People who are 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
As you shop for your insurance policy, remember that cost shouldn’t 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 record. You can check an insurance company’s rating at AMBest.com, and check their service record at JDPower.com.