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What you need to know before buying Health Insurance  

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How to Compare Health Insurance Quotes Online

With health insurance costs increasing annually and more people seeking out their own individual health insurance coverage, there is a growing need for people to shop around for multiple insurance quotes. Today, most people don't contact just one agent to arrange their coverage - they want to get a good idea of what's available in the market so they make smart buying decisions. After all, health insurance is an important purchase.

However, most of us don't have unlimited time on our hands. We need a convenient way to compare multiple quotes quickly and in a way that is easy to understand. That's why so many people are now turning to the Internet for assistance.

If you're shopping around for new medical coverage, then you may be interested in learning how to compare health insurance quotes online. Here are some steps to help you through the process.

Choose a Site or a Broker

Before you do anything else, you need to find a reliable source for these quotes. Dozens of web sites have sprung up all over the Internet promising to make it easy for you to compare quotes but only a few are truly trustworthy. Definitely do a little research on the sites before submitting your information. Oxonia has incorporated an engine that will instantly allow you to see exactly what health insurance plans are available to you. 

If you feel a little uneasy about going through an impersonal web site, you can also contact an insurance broker who can provide similar services but which will also give you more direct contact with an individual. Call Oxonia at 1-800-416-7350

Step 2: Choose the Type of Health Plan You Need

Most sites offer quotes for a variety of plan types, including individual health insurance, short term health insurance, and even small business health plans. Choose the type you are interested in before proceeding. If you're not sure, call 1-800-416-7350 to speak to a licensed insurance agent at Oxonia Insurance Group.

Enter your Zip Code

To ensure that your quotes are accurate and that you receive quotes only from insurance companies licensed to provide coverage in your state, you must enter a correct zip code. Not all companies can sell policies in all 50 states. Plus, rules regarding insurance vary from state to state, as do individual costs. Oxonia is a National Insurance agency and can provide you with a health plan that best fit your needs and budget

Provide Required Information

You will be asked certain questions about yourself and any family members who will also be covered under the plan. Generally, this information includes gender and date of birth initially. Other questions, such as if  the individual used tobacco in the last year, will also appear. Be sure to answer all questions honestly - misrepresentation will not secure you accurate quotes and policies purchased on fraudulent information can be voided at any time without any refund of paid premiums.

Look at the Overviews

Once you have entered the required information you will be given some health plan quotes to review. Generally, you will see an overview of the different health plans (there are usually quite a few available that meet your needs). The overview will tell you the type of plan (PPO, HMO, etc.), the deductible required, co-insurance and co-payment requirements, and the monthly premium. Based on these overviews, you can select a certain number to compare in more detail.

Compare the Details

After you have narrowed down your choices, you can look more closely at the policies that have attracted your attention the most. Generally, the polices are shown side by side with details about different facets of the health plans, such as their costs and different types of coverage. Take your time and look through these details carefully because this is where you are going to find the biggest differences. For example, look at these differences in costs related to an emergency room visit:

Insurance A: $60 Copay, waived if admitted, plus 30% coinsurance after deductible
Insurance B: $60 Copay, waived if admitted, plus 20% Coinsurance after deductible
Insurance C: $60 Copay, waived if admitted, plus 30% Coinsurance after deductible
Insurance D: $75 Copay, waived if admitted, plus 20% Coinsurance after deductible

Ask Questions

If there is anything on the quotes or about the policy you are unsure of, don't hesitate to ask questions. Most reputable sites have easy access to customer service either online, via email, or by phone. Remember that this is a very important decision and you don't want to take it lightly so don't feel bad about asking as many questions as necessary to help you decide on the best policy. At Oxonia Insurance Group, we have licensed insurance agents standing by to answer any questions you might have

Apply

After you've looked over the policies and received answers to your questions, you can make a decision and apply for the policy you are more interested in. Again, this can all be done right over the Internet and by phone which makes the entire process more convenient for you.

The bottom line is learning how to compare health insurance quotes online will not only save you time but also money. In the example used above, we could have compared up to 96 different policies. Having access to that many choices through the convenience of the Internet greatly increases the odds that you'll find a policy that fits your needs and your budget without ever having to leave the house or talking to an insurance agent.

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