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Medical Insurance Quotes and Your Online Options

People have been searching for medical insurance online for over 10 years now, and according to research at Forrester, this number is only going to keep growing as a greater percentage of people do their insurance searches on the internet.

When you perform your search online, you are going to be presented with up to hundreds of different health insurance choices. For the average person, its just overwhelming and we recommend that you work with a quality advisor to make the right decision.

If you want to make the decision yourself, here are the basics:

Know your monthly budget: This is going to be the best place to start and it will reduce your choices substantially – unless the sky is the limit… When setting your budget, don’t skimp – you can get inexpensive plans – but you give up a lot in benefits.
Know your healthcare needs: Have an honest conversation with yourself about what you and your families needs are. Is anyone sick and frequently needs to see a doctor? Is everyone healthy and you really only see a doctor once or twice a year? Copays make more sense if you need a lot of care – but if you rarely use the healthcare system an HSA program may be right for you.
Know how much you can afford out of your own pocket: This will establish how much you should choose for your maximum out of pocket expenses.
Most online health insurance quote systems will give you the ability to choose all of the above. After you are done telling the system how much you can spend and what kind of plan you want, your choices should narrow to just a few options. Once you have those options, you can start looking at the finer points like ‘Is my doctor in the network’ etc.

At the end of the day, a good health insurance agent will help you navigate all of the above and will discuss important considerations you probably won’t think of on your own. And this comes at no cost to you as the monthly rate you pay is the same if you have an agent or don’t have an agent.

by Clelland Green

Posted on Monday, June 25th, 2012. Filed under Health Insurance.

Health Insurance Quotes Provider Expands in the Face of Recession

One of the nation’s leading online health insurance quotes providers has significantly expanded over the past few months. In spite of the recession, the company decided to make some key strategic moves to take advantage of what they saw as a great opportunity to grow the business.

Seeing their business growing during the recession Clelland Green, Benepath’s CEO, decided to double their quoting capacity for individual and family health insurance plans and enter into the group health insurance quotes business. “We are already seeing a payoff for these investments as the demand for our service from agents around the country has been steadily climbing,” Clelland noted.

Benepath will be offering their group insurance quotes program to agents over the coming weeks and the company reports that they already have several sales and a sizable number of agents who have requested these health insurance leads over the last year. Sales are expected to ramp up quickly as demand for group insurance leads is very strong.

As with other Benepath innovations, their entry into group insurance is not without a distinguishing benefit to businesses and consumers. We are the only group insurance program on the internet which can easily accept and deliver all the information necessary to provide quotes, especially for large companies. This makes it easy for businesses to get competitive insurance bids and for agents to help new customers.

About Benepath: Benepath gives health insurance quotes to consumers across the country and provides exclusive health insurance leads to high quality, local insurance agents. Benepath uses their proprietary technology platform to provide consumers with real-time health quotes from a local agent’s quoting system; branding the agent and providing the consumer with health insurance quotes from both local and national health insurance companies.

Posted on Tuesday, May 19th, 2009. Filed under Group Insurance, Health Insurance.
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