Where to buy health insurance

Submitted by Anonymous (not verified) on Thu, 12/11/2008 - 22:44

Hi!

I am trying to get more opinions regarding websites that sell health insurance. So far, I found ehealth.com, anyhealthinsurance.com and vimo.com
Has anybody bought from those places? any recommendations?

Thank you!

Posted: 12 Dec 2008 05:14 Post Subject:

Hello Mike, I'm kinda orthodox about purchasing policies online, and would prefer visiting an agent's office before deciding on purchasing coverage. I've experienced that the online quotes that you may receive after submitting all your details on the site are likely to differ when the actual paper is to get signed. This is mainly due to the fact that the underwriters while writing the policy personally take many other factors into account which the automatic system may miss out. Hence, just take some time out of your busy schedule and visit the nearest health agent in your area.

Posted: 12 Dec 2008 06:06 Post Subject:

The advantage that online insurance sites offer is that you can compare the rates of the different plans available to suit your needs. However, I agree with Jeorge that you should consult an agent/broker before purchasing the final plan.

Another concern with the online companies is their authenticity. Recently, many online companies have cropped-up and most of these are not genuine. Many of these sites only forward the leads to the insurance agents who will eventually contact you to close the deal.

Purchasing online policies may require the same amount of paper work as buying the coverage from the agent. However, the sites have facilitated the search of coverage for the small business. You can check with the

Usinsuranceonline.com
And, ehealthinsurance.com

Hope it helps.

~Jeremy

Posted: 16 Dec 2008 01:32 Post Subject: Online Health Insurance

The purpose of most those sites is to generate leads for insurance agents. I know because I buy lots of them. If you do not want to be called by a bunch of agents, I have a couple of suggestions:

Find a local agent who can assist you.

Good luck.

Posted: 02 Jan 2009 02:57 Post Subject: insurance

Well, 'Hello" CAHORN. I am looking for Health Insurance that has good coverage, for my 16 year old AND something I can afford. I'm a single mom, and (as you can imagine), money can be tight sometimes. I'll E-mail when I get a chance. Thanks.

Posted: 03 Jan 2009 06:22 Post Subject:

sd...I hope you are doing well. We spoke last year.

I'm sure Cathy will explain to you that what she is offering is NOT insurance. And I'm sure she'll put that in writing as well.

Posted: 03 Jan 2009 06:28 Post Subject:

Actually what I am offering is actually great health insurance. Its the health insurance I use for my entire family and I would recommend it to any of my family members. I'm not here to get into any tiffs with another health insurance company, i'm just here to help out anyone that I possibly can. And im pretty sure im not going to be putting that in writing!!

Thankyou
Cathy

Posted: 04 Jan 2009 03:27 Post Subject:

"great health insurance"?

Why does the Ameriplan official website state this:

"AmeriPlan Health® benefit programs are not insurance, nor are they an alternative to or substitution for insurance coverage"

Posted: 04 Jan 2009 10:26 Post Subject:

There are many online websites that offer membership in a PPO Network of Doctors and Hospitals. This is NOT Health Insurance rather it is like joining Price Club. You are able to access the Network Doctors and Hospitals at their reduced fees instead of paying Retail prices. Quite amazing . . . people without Health Insurance pay much more for the same service as people with Health Insurance.

Posted: 08 Jan 2009 04:52 Post Subject:

Cathy, don't get so defensive. Ameriplan is what it is, and is a good option for the right client. I have a couple of very similar products in my portfolio for those who are in between major medical insurances or that cannot get a major med because of health conditions. It has become a negligible option in my state since they put in Risk pool health insurance last month but many states do not yet have this option.

Posted: 10 Jan 2009 01:59 Post Subject: insurance

Hello..OHIO HEALTH. Yep..I remember talking. How ya doing? ..Holidays good? I've been looking into one of those 'Discount Health' items myself. Just the price of having 'regular' Insurance is getting a bit high. Some of the 'discount' ones seem pretty good, however.......from what I've read, anyway.

Posted: 13 Jan 2009 02:23 Post Subject:

Purchase health insurance through a local agent if possible.

Promotional link removed by moderator

Posted: 13 Jan 2009 03:36 Post Subject:

Hello..OHIO HEALTH. Yep..I remember talking. How ya doing? ..Holidays good? I've been looking into one of those 'Discount Health' items myself. Just the price of having 'regular' Insurance is getting a bit high. Some of the 'discount' ones seem pretty good, however.......from what I've read, anyway.




That is until you find out you have cancer, have a heart attack, etc. etc. Then you will be in trouble.

Posted: 13 Jan 2009 04:45 Post Subject: insurance

Hey, DGOLDENZ. I've just been 'scanning' the 'Health Discount' stuff. I REALLY don't know what all it DOES cover..or..shall I say DOESN'T cover. Are their any that are 'better' ( lack of a better word) than other ones? Any suggestions?

Posted: 13 Jan 2009 04:53 Post Subject:

You health insurance agents are so desperate to sell a policy -I would not put anything past any of you.

Randy McCalister - The producers Alliance

Posted: 13 Jan 2009 05:55 Post Subject:

You health insurance agents are so desperate to sell a policy -I would not put anything past any of you.



Is that so??

Anyway,

Hey, DGOLDENZ. I've just been 'scanning' the 'Health Discount' stuff. I REALLY don't know what all it DOES cover..or..shall I say DOESN'T cover. Are their any that are 'better' ( lack of a better word) than other ones? Any suggestions?



Sd, the discount plans often don't cover major health expenses as mentioned by dgoldenz. The discount membership card will merely offer you a discount at the doctors' visits and prescription drugs, but you have to bear the rest of the expenses.

The discount plans are cheap 'cause unlike the insurer the discount provider isn't promising to cover the costs if a covered peril occurred. The health insurance provider would cover the entire medical cost minus the co-pay as and when required. Also, wide range of coverage are available with the insurer which the discount card can't provide you with.

Posted: 13 Jan 2009 10:33 Post Subject:

Hi,

Hope you all have hard of the Blue Cross Blue Shield group and the Kaiser Permanente. Kaiser are the biggest non-profiteering HMO and operate across 9 states in America. They offer 30 healthcare centres.

Blue Cross on the other hand offer low premium coverage to you and your family. Their group insurance plans are also good.

Thanks, Fatman

Posted: 13 Jan 2009 07:17 Post Subject:

Discount cards are only good for RX and doctor visits only just like Jeremy said.

Posted: 13 Jan 2009 07:22 Post Subject: insurance

I don't think ALL of Insurance Agents are bad. ..only SOME have of them have 'rubbed me wrong.' So..i guess medical Discounts aren't good in the long run? Thanks for the advice.

Posted: 19 Jan 2009 07:00 Post Subject:

The discount plans have their place (mainly for those who cant qualify for traditional health insurance) but that is getting smaller everyday with many states putting together risk pool insurance.

The most cost effective type of plan are QHDPs. They cover the large expenses like hospitalizations or chronic illnesses great after a deductible is met. For all of the small things you get a network discount.

The cost in premiums are a lot lower and your exposure to huge medical expenses are relatively small also. It just seems like a lot of people have a hard time wrapping their mind around this.

The majority of people have been conditioned to the older employer group plan type benefits. When folks get one of these type plans as an individual they usually pay way to much for the benefit they are getting.

Posted: 22 Jan 2009 03:59 Post Subject:

In today's economical crisis, many employers are cutting back on health benefits or totally eliminating group health coverage . . . so what do we do now?

There are many options:
(1) Hospital Indemnity Plans
(2) Mini-Meds
(3) Discount Health Plans
(4) Major Medical Plans

If you were to go into the hospital, had you rather have a health plan that pays you $250 per day, or no health plan at all?

If you went to the emergency room, would you rather have a health plan that pays 50% of the emergency room bill or no health plan at all?

For those who can afford $250 - $350 per month for an individual major medical insurance policy, that's obviously the best way to go.
But for those who can't, some coverage is better than no coverage.

Health insurance agents provide for themselves and their families by selling health insurance. It's just not rocket science. 8)

Posted: 22 Feb 2009 10:48 Post Subject:

I have found a good site with a lot of information and good rates at: insuranceadvicenet.com


Link deactivated by the moderators

Posted: 10 Jul 2009 08:27 Post Subject:

Hi,
Lots of online websites provide health insurance plans. I have bought a health insurance plan from cvty-healthinsurance.com for my mother in law. In my opinion it has better health insurance plans for all.

Posted: 20 Aug 2009 05:08 Post Subject:

If you are looking for a health insurance plan that best fits your every need check out online or Humana Health insurance there are many great deals available now that are not only affordable but give you the coverage that you want.

Posted: 20 Aug 2009 10:59 Post Subject:

I would try going to an insurance directory that compares prices of different companies. Sometimes it's better not to go off solely off of a consultation with an agent; Randy M is kind of right...

Posted: 25 Jun 2010 08:07 Post Subject:

Just wanted to clarify some things:

I think Cathy may have accidentially put out the wrong information about AmeriPlan.

AmeriPlan is NOT insurance! Here's AmeriPlan's disclaimer:
The discount medical plans of AmeriPlan® offer a reduction in the cost of medical, dental, vision, pharmaceutical and chiropractic services. AmeriPlan® discount benefit programs are not insurance, nor are they an alternative to or substitution for insurance coverage. Since they are not health insurance, members must use AmeriPlan® providers and members are responsible for payment to the AmeriPlan® providers at point of service of discount healthcare fees incurred. If you currently have insurance, you should be aware that canceling that policy may make it difficult to later obtain coverage. AmeriPlan® recommends that you speak to your insurance agent or your company's insurance administrator before canceling any health insurance policy for any reason.

I'm sure Cathy's intentions were meant well, but for someone who is with AmeriPlan I want to make sure people don't get confused or recieve the wrong information about the company and the benefits plans we offer.

It just makes our members confused and gives others who are also with AmeriPlan a bad rep because it shows that we are not clear or know what we are talking about.

Just my 2 cents. Stay Positive! :)

~TaVona

Posted: 29 Jun 2010 12:42 Post Subject:

I use Healthinsurancebluebook for my family health insurance guide
and its help u to choose best health insurance plans,
It provides a lot of plans according to your need.

Posted: 11 Jul 2010 01:04 Post Subject:

Advice: You can't go wrong with a LOCAL experienced broker. When you buy online from someone 2000 miles away, they may not be familiar with your specific needs.

Posted: 19 Jul 2010 01:26 Post Subject:

Advice: You can't go wrong with a LOCAL experienced broker. When you buy online from someone 2000 miles away, they may not be familiar with your specific needs.



Not only that, but the local agent/broker who values his or her clients will make sure that they have the proper coverage, not just anything they can afford.

The so-called "discount plans" are just that. Doctors and hospitals agree to reduce their rates in exchange for being listed in their directories. But all of those same doctors and hospitals will offer at least the same discount for any cash-paying customer.

So why pay $40-$80 per month for something that you can do on your own for free?

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