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Saturday, March 25th
First Quote Health says that they put you in touch with licensed, independent agents to get free quotes on different types of health insurance plans "in just a single phone call" (or by using the site to "find deals" ). The company has been in business since 2014.
No quotes without a phone call (or several hundred)
When you enter your zip code and then click on "Complete My Quote" , you'll be taken to a form that asks for your gender, birthdate, height and weight (?), household size and income, and so forth. You can also indicate when you need your coverage to start, if you'd like any other type of coverage (dental, vision, life, pet, telehealth), and then your contact information. However, we'd recommend that you stop before you get there. Why? The next screen says "connect now" to review your quote - and then informs you that your phone will ring. You don't actually get to see any quotes on the screen unless you click the "x" to clear that popup, and in that case you'll be redirected to an insurer (Molina Healthcare)...to start the process all over again.
Zero stars from users
Besides that, First Quote Health has a terrible reputation. Among all of the reviews we found, 100% gave this service the lowest possible rating of just one star - and most people said they'd give it zero stars if they could (just for laughs, our favorite description of this company from customer feedback was "clown factory" ). Dozens of people said that "scam" is the best word for First Quote Health and complained about receiving so many phone calls and emails that they wanted to throw their phone away and get a new number. Also, multiple consumers report that when they indicate that they need more time or more information before committing to an insurance plan, they get a rude response from the First Quote Health representative.
Only trying to make money
This all stems directly from the fact that First Quote Health is the platform for NextGen Leads: a lead generation platform, not a licensed insurance agency. In other words, First Quote Health exists for the sole purpose of making money for NextGen, not for helping you get good health insurance coverage. You'll find all of that in the Terms page.
Your information will be sold
That's also where you'll see the very lengthy list of "marketing partners" where your information goes. Remember how people said they were getting inundated by spam calls (some reported hundreds a day). Look at that list and you'll see why: sure, there are some that you'd want when looking for medical insurance, like Cigna or Blue Cross. But who is Bold Media Group? CS Marketing? Or any of the other hundreds of businesses who will get your information if you give it to First Quote Health?
Don't give your information to First Quote Health
By now you've probably understood why we recommend staying far, far away from First Quote Health. Choose a health insurance platform that is reputable and staffed by licensed insurance agents, not a lead generation company that just wants to make money off of you.
About half of Americans have health insurance from their employer. But what if you're not one of them? Not only can it be risky to go without insurance - one trip to the ER for kidney stones can easily result in a bill of $75,000 or more - but the IRS will also penalize you for not having qualifying health coverage. Ouch.
The good news is that you have coverage options that might come with a tax credit used to reduce your monthly premiums, if you need to find health insurance on your own. Those plans come through the federal Health Insurance Marketplace, but if you've tried to navigate the government site on your own, you already know it can be confusing at best.
Don't worry, there's more good news: there are a number of health insurance platforms that can help you sort through your options and get coverage. You won't pay extra for using one of these resources, and you'll often get the benefit of knowledgeable guidance from a licensed insurance agent. If you don't understand the difference between PPO and HMO or between deductibles and coinsurance, you should make sure you have an expert on hand to walk you through the process of picking a plan.
However, not all websites promising to help you with your health insurance are trustworthy. While some are exactly as they appear - services staffed by licensed agents, authorized to act on your behalf to enroll you in a plan - others are just lead generators who get paid to pass along your information to any number of insurance agencies, marketing companies, and who knows where else.
How can you tell which health insurance websites are on the up-and-up? Keep an eye on these criteria as you decide where to start shopping for coverage:
To help you get the medical coverage you need, TopConsumerReviews.com has evaluated and ranked the best resources for finding health insurance plans. We're confident that this information will make it easy to navigate the often-tricky world of healthcare and buy the right plan for your needs.
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