Why do I need health insurance?
Health insurance protects against unforeseen illnesses and accidents by providing monetary support to help pay for medical expenses. Paying monthly premiums to an insurance company ensures that funds will be available to help cover medical costs.

Will Whataquote.com provide me with a real-time quote?
No. Whataquote.com will provide you with information on health and life insurance. Our goal is to help you make a more informed decision.

Does a quote cost anything?
No, quotes are free and require no obligation to purchase a plan.

Will your rates be expensive?
Expensive is a relative term, but by adjusting certain variables like deductibles, you can better control the cost of your plan to suit your budget.

Why would I need an individual health insurance policy?
The most common reason a person will need and individual health insurance plan is because he/ she is no longer covered under a group plan at their job. In this instance, the person will normally seek out individual coverage to continue receiving health insurance.

Is there a way to reduce my premiums and overall health insurance costs?
Premium costs can be reduced by choosing higher deductibles and higher co-pays and coinsurance levels. This will mean you pay less monthly, but will pay more per medical event. Other ways to reduce overall health care costs is by just taking care of yourself. By exercising and eating right and not engaging in bad habits like smoking you can show you are a lower risk person to ensure and receive lower premiums. Additionally, living a healthy lifestyle will also reduce the incidence of common colds and other minor illnesses that result in doctors’ visits and prescription medicines.

What types of insurance is available?
Whataquote.com offers information on affordable health insurance plans for individuals and families.

Can I get coverage for myself and my family?
Yes you can. Most carries provide quotes on both individual health insurance plans and health insurance plans for families.

How do you rate insurance carriers?
We use the industry standard rating services A.M. Best and Standard and Poor's to rate the carriers whose plans we offer.

What is an indemnity plan?
Indemnity plans offer a great deal of flexibility and freedom as far as being able to see most and physician you choose. Under an indemnity plan, you or the doctor will submit claim for the services for which you will be reimbursed. Under most indemnity plans the insurance will usually cover about 80% of the cost leaving the remaining 20% to be covered by the patient. Also, most indemnity plans will require the patient to meet an annual deductible before the insurance company will begin to pay on claims. Once the deductible is met the company will pay at a set percentage (usually 80%) of the UCR rate (usual, customary and reasonable), which a going rate in your area for a given service.

What is a rider?
A rider is a coverage and/or change added to a policy. The information about the additional coverage(s) is usually typed up on a separate piece of paper, which is attached to the copy of your basic policy.

How can having a pre-existing condition clause affect a health insurance plan?
A pre-existing condition is a medical condition that required treatment or treatment was recommended before the effective date of the insurance plan. A lot of plans will have a pre-existing condition clause, which will exclude coverage for pre-existing conditions for up to a year. What is considered a pre-existing condition and what the clause exclude can vary from plan to plan and company to company, so it is recommended that you consult the agent/ company you are dealing with to verify what conditions effect the plan.

What is coinsurance?
Coinsurance is the portion of the medical bill that is shared by both the insured and the insurer. For example, if you had an 85% to $5000 coinsurance, you would be responsible for 15% of the medical expense while the insurer would be responsible for the other 85%.