If you’re surfing for online insurance quotes be aware that many times the rates shown on an insurance site are for “preferred” customers.
If you happen to be in the market for health insurance, you might want to take the time to check out several sites and get some decent quotes you can compare side by side. It’s important to call more than just one health insurance agent for information as well, as each agent works with different carriers, and they may be able to find you different deals. Always make it a point to ask questions, even though you may have found information on the Internet.
It’s just a fact of life that all insurance sites can’t have everything on them that you would need to know to choose an insurance plan to suit you; there’s just too much information. So, be careful when you are checking online quotes and ask the health insurance agent if what you read on their website is the “preferred” rate. If you happen to have any pre-existing conditions, this may immediately dash your hopes of the preferred rate.
Health insurance rates are predicated on your health history and if you have for instance, asthma, you may need to be put into a different category than the one you see quoted online. Just about everyone one has “something,” and it’s just another given in life. So, don’t check out quotes expecting to get what is quoted online if you have various conditions.
To better increase your chances of getting the type of insurance you need and plans that are suited to you individually, it’s best to speak to a local insurance agent. They know all their carriers. They know the ins and outs of the system, not to mention the local hospitals, the service they provide, and the local doctors.
This is invaluable information and you can only get it by dealing locally. If you deal with someone four states away from you, they have no idea what you really need in your particular area, and even less of an idea what the local hospitals and doctors are all about. It’s that simple; local health insurance agents know their stuff and they are happy to share it with you.