Issues to Know Before You Get a Free Health Insurance Quote

There is no shortage of websites promising quick, easy, and free health insurance quotes. even though they make it sound like a walk in the park, the process is often more complicated that they would lead you to believe. Before spending your valuable time on these tempting offers of free health insurance quotes, be a wise consumer and be aware that there could be more to the offer than meets the eye. As attractive as they may seem, even free offers could still cost something. Many online sources that offer a free quote will require certain things from you, such as an e-mail address, before they give the quote to you. Giving them your e-mail address places you on their mass list of potential customers and could open the door to spam and countless, annoying solicitations. Some websites will also require you to give up certain pieces of personal information such as your age, current health conditions, and your state or zip code of residence. In order to protect yourself from scams that are prevalent online, use extreme caution if sites ask for information, such as your name, social security or drivers license numbers, that could compromise your identity. Be aware that not all quotes are authentic. Many of the websites that ask for identifying information could give you a quote that is not based on true industry standards, rendering it worthless to you while they get away with your personal information. these quotes are also usually very general in nature and do not take into account highly individual factors such as age and any specific health conditions you may have. Seek out quotes with well-known sites and avoid those that appear to be suspicious. Many people mistakenly believe that receiving a quote will approve them for a policy. Before being accepted for a health policy, most insurance companies have minimal requirements such as getting a health screening and obligating you to provide documentation of certain medical records. Additional information, such as inquiries about family members or even blood tests, may also be required depending on which company and policy you are considering. keep in mind that you could be denied coverage if the insurance company examines your records and considers you too much of a risk. The quotes that are provided will not offer coverage of all health insurance expenses. the majority of quotes only reveal the amount of the flat rate monthly premium and do not include expenses such as deductibles and co-pays, which could have a significant impact on the actual cost of your coverage. the amounts of the monthly premiums are also subject to change. the free health insurance quote that you receive will most often be the cost of the first month's premium, which can increase over a period of time, costing you much more per month in the long run than the amount you were quoted. Because a large number of insurance companies are competing for your business, you may be able find a great deal if you obtain as many quotes as possible from a variety of providers. having this information before you get a free health insurance quote should give you the confidence to seek, find, and purchase the plan that has the best combination of price and coverage that meets your individual needs. Things to Know Before You Get a Free Health Insurance Quote [l]