If you're contemplating the purchase of health insurance then there's a good possibility that a health insurance broker might be able to help you. A health insurance broker is a professional individual whose job is to provide health insurance companies or providers with prospective consumers that are seeking to obtain health insurance for themselves or their family. Normally, a health insurance broker is eagerly sought after by an individual or individuals that are not covered by any type of group health insurance plan. Typically this includes folks that have some sort of medical condition prior to obtaining health insurance but it can also include self-employed individuals that aren't covered by an employee health care plan.
In some ways a health insurance broker is almost like a real estate agent. The health insurance broker tries to find the best deal for the individual seeking health insurance based off a list of requested benefits provided to the health insurance broker by the consumer seeking to become insured. After finding a plan that is suitable for the consumer the health insurance broker then works towards a signing of a mutual health insurance contract by both parties involved, the insurance provider and the individual seeking insurance.
Although it may sound like the health insurance broker works for the insurance company it's actually quite the opposite because in a way the health insurance broker works for the consumer. The insurance broker is responsible to know about the many different health insurance providers or companies that may or may not be suitable for his clients. Additionally, they can provide information regarding claims, processing times, customer service and of course health insurance rates or premiums. In some cases the health insurance broker may be paid a referral fee for putting a health insurance company in contact with a consumer seeking health coverage, provided the consumer does actually sign up for health insurance through the recommended company.
Typically, a health insurance broker receives their compensation in the form of a commission. The payment for this commission can come from the consumer, the insurance company or a combination of the both, each paying their respective portion of the broker fee. Still, if a health insurance broker does a good job and actually finds you a health insurance company that offers excellent health coverage with reasonable rates then it may be money well spent in the long run. Also, because the health insurance broker is normally governed or regulated by state licensing requirements you can rest assured that they are trustworthy and will do the right thing ethically speaking in order to find the very best health insurance coverage that you can afford.
Quickly find more money saving health insurance tips and information on how a health insurance broker can save you money on your health insurance by visiting GoodHealthCoverage.com a website created by Sharlene Raven, a respected webmaster whose site specalizes in providing health insurance information you can trust.
Shopping For Health Insurance Online
Without a doubt the Internet has made life much easier for consumers, especially when trying to obtain the best deals when shopping for health insurance online. The ease of use and the ability to quickly compare the offers from competing health insurance providers makes it almost to fast and hassle free to purchase health insurance online. However, there are some important facts, questions and answers you or any consumer searching for an online health insurance provider should research before quickly making a decision that could lock you into a health insurance policy that may not be right for you.
Health insurance like most other insurance products and services contains a variety or jargon and terms that you should become intimately familiar with prior to signing up for a policy or health insurance plan that you may have found online. Most, in fact almost all, health insurance companies will require you to partake in a physical before they consider underwriting you for a policy. Basically, this underwriting process consists of your taking a physical, which the insurance company then verifies against the information you filled out on their application for accuracy. The reason for this full disclosure is so that the health insurance provider can determine the rate or premium they will charge you for your health insurance coverage and it's also for your protection so that the insurance company cannot refuse you treatment for a condition at a later time. In some minor cases when obtaining health insurance online you may not have your information verified against the actual physical.
As mentioned above, when searching for health insurance online there is a chance that some insurance providers will not do their due diligence in the beginning (comparing your physical to your completed application or questionnaire) and will instead play the odds that you won't get sick, injured or suffer some other health catastrophe. In the event that you do get ill and need their services they will then scrutinize your records with the hopes of finding a reason not to pay your health insurance related claims. If for some reason they find what they consider a valid discrepancy they may then attempt to not pay your claim or cancel your health insurance completely. Remember, this is not all insurance companies just a extremely small percentage that may do this practice or tactic to strong arm you into not receiving your proper health insurance coverage.
When shopping and comparing health insurance online make sure any application you fill out contains full disclosure and a complete and accurate assessment by you regarding your health otherwise you may find a future health related claim denied. When filling out your health insurance online application always list every illness, broken bone, accident, operation, medication you have taken and any other ailment you may have suffered from during your life. Failure to do so could nullify your insurance policy should you ever need to make a claim against it.
In some cases the health insurance agent for the company or provider you are considering will fill out the health insurance application for you. In the event he or she does this you must make sure and double check it for accuracy. Remember agents get paid based on the business they provide to the insurance company so always make sure no shortcuts were taken to get you initially covered by the health provider. If your future claims get denied due to an error on your initial application it doesn't really phase the insurance agent hat helped you in the beginning.
Finally, after you're approved make sure you double check your health insurance online application for any errors that may have occurred during and after the insurance company accepts your paperwork. The difference between a no and yes answer could prove costly in the future should you ever need to file a health related claim against your health insurance provider.
Quickly find more money saving health insurance tips and information on how to shop for health insurance online by visiting GoodHealthCoverage.com a website created by Sharlene Raven, a respected webmaster whose site specializes in providing health insurance information you can trust.
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