Lesson 7: Time to Compare Health Plans

Let's look at two great resources for comparing health plans When you're looking for policies to compare based on cost, quality, and services available, there is one great service online that lets you see it all, instantly. We are talking, of course, about eHealthInsurance.

The quote process and application are really easy, and you'll likely find a fairly large variety of policies from different insurers, all available in your area. You can compare policy details side-by-side, apply online, and in some cases even purchase without ever logging out! It's a great service even just for research purposes.


Try it now:

Gender Date of Birth MM      DD     YYYY   Applicant* -- Male Female  / / Spouse -- Male Female  / / Enter Zip Code:

What you'll be comparing

When you first get to the quotes results page, you'll see results sorted by price, with the additional sorting criteria Plan Type (HMO, PPO, POS), Deductible, Coinsurance and Copay included to give you an at-a-glance view of the plans potential costs.

The next step is to compare some of the plans that you qualify for, and that you think would be right for you. Simply select a few of them, and click "compare".

You'll be shown a much more detailed screen, with your selected plans compared side-by-side. It's that simple!

(Be sure to do this last step. You'll glean valuable information about the various plans that interest you). Start comparing plans now.

Another good resource

Another good source of plan info (and some one-on-one help), is your local insurance agent.

You'll have even more choices, and some professional guidance. You apply for your rate quote online, and a health insurance pro in your area will contact you to discuss your options and price policies for you.

Of course, we think the wisest course of action is trying both services, because no one ever lost out by doing a little comparison shopping.

Find a local agent.

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Alright. Get some quotes under your belt. Apply for a couple of policies that look good to you. Get the ball rolling. Often, the application process itself can tell you whether you will like dealing with the company in question, or if you'd prefer to steer clear.

Remember, a health insurance policy is a form of contract, and you're never obligated to do anything until you have been approved and you sign on the dotted line.



Next: Lesson 8: how to evaluate potential insurers