What I Wish I Knew a Year Ago About Health Insurance Plan
Well, how to buy health insurance plan is surely complicated but we want to make it simpler for you. There is a lot of info to learn, but with some time and patience, and a little help, you’ll find the plan that is right for you and your family. When you do purchase the plan that fits your needs, it will leave you with a feeling of security and independence, a great combination.
Can you buy health insurance at any time?
During open enrollment, the answer to the question “Can I buy health insurance at any time?” is generally yes, as long as you do it before the open enrollment deadline is over for individual health insurance. During this window, the exchanges provide Obamacare-compliant insurance plans 24/7.
Quotes and Applications
If you are just getting started in the process of buying health insurance take a look at the menu to the right. Select a ‘Plan Type’ that matches what you need, and start reading. Take your time and explore the site. Please follow the ‘Contact Us’ link at the bottom of this page if there is something specific you are looking for we haven’t written about yet.
If you need further help deciding on a quote, refer to any of our pages that match your type of plan. For plan specifics, eHealthInsurance offers help either online or over the phone.
Once you know the plan you want, you will be able to apply directly online. It’s important, to be honest when filling out your application forms when it comes to pre-existing conditions. Failing to disclose prior medical care can give the insurance company a reason to deny coverage later. Once your application is electronically submitted, it will either be rejected, accepted, or accepted conditional on a new quote. Quotes on premiums can sometimes change based on your health history.
Its also important to keep in mind that you are not signing a long-term contract, as with a cell phone. If you would like to change your premium or deductible or switch to a new provider, you may do so at any time. Of course, the changes would only cover future medical care, not any recent or prior health care costs.
If buying health insurance online is not something you are comfortable with, it’s likely there are independent local agents in your area that you can talk to. They can work with you one on one to sort through the details of different quotes to get you what you need. With any type of insurance or real estate agent, personal referrals are the best way to find someone you can depend on. You would still be wise, however, to at least look at the free quotes offered online for different levels of coverage. It’s an easy way to be well informed about your choices. Knowing your different options will allow you to speak more comfortably with your agent.