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Checking Out a Health Insurance Quote

As with any purchase, do not buy any policy without comparing your health insurance quote with the competition. Since you are buying direct, you will probably be dealing with an agent. One good way to evaluate a health insurance policy is to study the first one you see and then use it as leverage against all the others. Ideally, you should make a chart that shows at a glance a comparison of the various benefits the policies offer. This makes it easy for you to say to an agent, "Yes, your policy pays such-and-such for so-and-so, but Policy X from Company Beta pays half again as much and has a much higher cap."

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To elicit the proper response, do this in a slightly puzzled tone of voice, with your body language conveying that you think the agent you are talking to is more knowledgeable than you and will be able to help you explain this apparent weakness in the company's policy. Do not under any circumstances sound argumentative, accusative, or too bright. (Women are better at this than men, but then they have had more practice.)

What you hope to elicit is an unguarded answer that will tell you trade secrets about other companies ("Yes, but you'll never collect from them." "Well, their claims record is good but you'll notice they are much more expensive." "Oh, I don't think you'd be happy with them ... look at this clause."). A few conversations like this, and you will know more about the various companies' policies than many of the agents do. Most agents don't know much about other companies' policies and health insurance quotes, but they usually know their own and can at least provide the rebuttal they have been trained in.

Compare Health Insurance Quotes

Your biggest problem getting affordable health insurance quotes will be finding an agent who deigns to take seriously a customer who isn't in the market for a big group policy. Most agents will try to steer you into a situation in which you are at least eligible for some sort of "group" policy. "You're self-employed? Well, then, you must have a business. Now, we have a policy for companies with just one employee—-the owner. Let's see if you qualify for that."

If you have three employees, you're even better off. If you do qualify, examine the "group" policy and compare it with a simple individual policy. The most important thing you can do to get yourself the best possible policy is to shop around for health insurance quotes online. It's tedious and time consuming, but essential. Say to yourself, in the words of a well-known advertising slogan, "I'm worth it."