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      September 26, 2020

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Individual Health Quotes vs Health Insurance

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To help you find the Best Health Insurance, TopConsumerReviews.com provides you with an in-depth comparison of Individual Health Quotes and Health Insurance.

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Where can you get the best health insurance? Healthcare costs are on the rise and constantly changing. There are few things in life as important as your health, and when professional care is needed, you want to ensure you're getting the best treatment that won't break the bank. There are also few things as confusing as the ins and outs of insurance and medical treatment costs. Being informed about the differences in healthcare coverage options will help you avoid surprise bills after seeing a provider.

It could take a frustrating amount of time to call around to different insurance companies to compare rates and coverage. Unfortunately, some providers are very hard to reach by phone and make you jump through hoops to have your questions answered. Transparency and accessibility from your health insurance company is important so you know what you are paying for. Thankfully there are many online sources to help you compare these companies quickly.

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2020

Health Insurance Reviews

4.5 stars
Individual Health Quotes

INDIVIDUAL HEALTH QUOTES

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Individual Health Quotes is a reliable place for comparing health insurance quotes. They have an A+ rating from the Better Business Bureau and thousands of happy reports from customers to back this up. Their website is professional and user-friendly. Most importantly, Individual Health Quotes provides free, instant quotes from a wide range of insurance companies.

They offer one of the most extensive lists of insurance types we have seen, including the following categories:

  • Major Medical
  • Short-Term Medical
  • Fixed Indemnity
  • Dental
  • Vision
  • Critical Illness
  • Accident
  • Group Major Medical
  • Group Short-Term Medical
  • Group Fixed Indemnity
  • Group Dental
  • Group Vision
  • Group Critical Illness
  • Group Accident

Before providing quotes to consumers, Individual Health Quotes asks for the prospective insured's zip code, date of birth, height, weight, household size, gender, major health conditions, full name, address, phone number, and email address.

Once you submit your personal information, a list of insurance quotes is immediately available for your viewing. You can narrow this list by carrier, deductible, copayment, max out-of-pocket, plan type, plan categories, monthly premium, tax credit eligible, pediatric dental, and HSA eligible. Each insurance plan shown is ranked as either a bronze, silver, or gold plan. On the side bar, Individual Health Quotes clarifies what each of these rankings mean. You can also view extensive coverage details for each plan before deciding to begin enrollment.

You can sign up directly from the Individual Health Quotes site once you've made a decision about the health insurance plan you'd like to purchase. When reviewing the quotes, there is an online chat feature available if you have any questions or concerns along the way. Outside of the quote process, you can always get in touch with Individual Health Quotes by phone or through an online contact form.

Besides offering health insurance quotes, there is a "learn" tab that gives readers clarification on acronyms used to describe types of health plans along with an explanation of HSA accounts. We would have liked to see more resources for customers using this site to help them understand the ins and outs of insurance, including definitions, news updates, and tips on choosing the right plan for them.

Overall, Individual Health Quotes is a great option when looking for a new health insurance plan. They provide fast, reliable information and a good customer experience, and are a solid place to start your health insurance plan search.

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4.5 stars
Health Insurance

HEALTH INSURANCE

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Health Insurance has a website that is easy to navigate and doesn't overload you with confusing options or information. You can search for health insurance plans within four categories: Obamacare health insurance, short-term health insurance, health benefit plans, and dental insurance. Once you select the type of insurance you are looking for, you can compare quotes after following three easy steps: Answer a few non-personally identifiable questions, see the lowest cost health plans, compare plans and apply online within minutes.

When viewing the list of insurance plans that are available to you, they can be narrowed down by the monthly cost, hospital stay benefits, and doctor visit benefits. The health insurance company name along with hospital and doctor coverage information and the monthly cost are shown. You can submit a secure application for your chosen plan directly from the Health Insurance website.

When going through this process, you can call and speak to a licensed insurance agent and get a quote or ask questions. While some people may not like dealing with insurance agents, others will like the idea of getting a person on the phone to clarify the process and quickly answer any questions you come up with. It would be nice to also see an online chat option for those who don't want to speak to an insurance agent over the phone.

Another resource for making sure you're headed in the right direction when choosing a health insurance plan is the FAQ on their main page. They have articles titled "What is Obamacare Insurance?", "What is Short-Term Health Insurance?", and "What are Health Benefit Plans?". Health Insurance makes it easy to find answers to your questions through help articles and additional features like their health insurance glossary, explanation of HSAs, employee benefit information, and Medicare breakdowns.

In addition to having an easy-to-use website and providing fast information, they have positive customer ratings. The Better Business Bureau gives Health Insurance an A+ rating and they lack the amount of customer complaints that we found with competitor services. Health Insurance is a strong choice when weighing different health insurance options.

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Continued from above

Understanding the differences between health insurance coverage options is also useful for when your needs change. If you have a change in employment, location, or overall physical health, you may end up needing a different kind of insurance. Being able to compare quotes easily online will save you a lot of work and give you peace of mind about making this big change.

Before diving into the world of health insurance selection services, we suggest you take the following things into consideration:

  • Convenience. Do you have to make a phone call to an agent every time you have a question? Ideally you are able to obtain insurance quotes online and skip the hassle of making phone calls all day.
  • Accessibility. When you need to speak to an agent, you want to get a human on the phone without having to talk to a series of robots first. If you have an urgent question, it will also be important for you to be able to speak to someone without waiting on hold forever.
  • Transparency. Do you know exactly what providers are covered through each health insurance company? Do you know how much they will pay vs. how much you will pay? What happens after you meet your deductible? Make sure you are able to find out all the little details about a health insurance company so that you aren't feeling lost or overwhelmed about your treatment options.

TopConsumerReviews.com has reviewed and ranked the best Health Insurance programs available today. We hope this helps you find the right health insurance plan to meet your needs!

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