How to Purchase Health Insurance Online
There are several resources available if you are looking to purchase individual or family health insurance plans online. Most of the major carriers offer online health insurance quoting links that independent agents can post on their personal websites. These links will describe all of the plan offerings in great detail and then allow you to make application immediately using their software.
Newer technologies provide a single quoting engine where you can compare several plans from competing carriers. What plans pop up will depend on who the agent is licensed with and what plans they choose to make available. Quoting using individual links will usually allow you to do so anonymously while multiple carrier technologies can require you to provide personal contact information.
Do I Need a Health Insurance Agent?
What really matters here is to what extent you want to be contacted. You might unknowingly fill out forms you think will provide an immediate quote from several carriers. Unfortunately, those quotes may not appear. In fact, that site simply might be a business that collects your information and then sells it to multiple agents. At this point your phone will be ringing quite a bit and your e-mail inbox will be full with messages for the next few days.
The reality is that a few large companies have produced several optimized websites designed specifically to collect your information. These sites are not provided by insurance agents, but rather technology companies. And selling leads to agents can be a very profitable business model. Most agents do not have the resources or know how to compete with such technology. Thus, they buy the leads and do their best trying to separate themselves from competing agents.
Ultimately, it may be you the consumer who looses in these situations. Most consumers are very annoyed by the multitude of phone calls and with the number of emails received – so annoyed that they might not want to work with anyone right away. Thus, they may not get the insurance help they needed.
Using an Independent Health Insurance Agency
The principals of Hyers and Associates have tried to make the process a little easier for you. We have provided online links where you can search through the major health insurance carriers; including Aetna, Anthem Blue Cross and Blue Shield, Assurant Life, Golden Rule, Humana, Medical Mutual of Ohio, United Health Care and others.
You can search anonymously and then when you are ready to talk with an agent, simply give us a call. We can then speak knowledgeably about the different plans, send out descriptive brochures and help find a plan that suits your needs. This is done at no additional cost.
Let me repeat – there is no surcharge or extra fees created by working through our agency or any other for that matter. If you want to work with only one independent agency, then you have come to the right place. We will be happy to assist you when you are ready.
Contact Us for quotes and/or information today.
Category: Health Insurance