Medical Insurance

Do health insurance quotes help get better prices?


Top Answer
User Avatar
Wiki User
2015-07-15 18:43:04
2015-07-15 18:43:04

The rates are the rates, there is really no negotiation. Getting quotes though will help you pick the best one for you.

No, but understanding health insurance quotes can help you make better buying decisions. Rates are generally fixed and by law and non-negotiable.

If you go to some popular quoting websites you will often get in excess of 70 quotes. For my family I got 79 ranging in price from about $300 to $2000. This may be interesting but totally irrelevant unless I know how to distinguish between them. Often their �recommendations� are based on paid sponsorship not your best interest.

You need to understand how you use healthcare service. Do you see the doctor often, take prescription drugs (generics only or formulary), need maternity coverage and much more. How much is a routine visit? How much do you pay before the insurance starts paying? Does the plan have any limitations on services or amounts of coverage?

Wanting the insurance company to �pay for everything� is great but very expensive. Would you agree to pay $5000/yr in expenses before the insurance company paid for anything if you could save $6000/yr in premiums? Balancing your need, anticipated usage, cost and benefits is the key.

Medical Insurance is not a self-service product. If you want an insurance expert that specializes in Consumer Driven Health Plans I suggest you go to the web site of the National Association of Alternative Benefit Consultants ( and click on their member directory. Select your state and you will get a list of specialists qualified to sell insurance in your state that understands the latest in this field.


Related Questions

User Avatar

Health insurance varies between people and prices change. One can get free quotes from Cheaper Health Insurance Quotes that they can compare different companies prices to find the best value.

User Avatar

Some of the best sources for cheap health insurance quotes are various websites like cignaglobal and Bupa. Both of these websites offer cheap prices for health insurance quotes.

User Avatar

To get instant health insurance quotes, visit They will give you instant health insurance quotes for free, they will also give you contact information for health providers.

User Avatar

One can find quotes for individual health insurance plans from United Healthcare, Aetna, eHealth Insurance, and Humana One. These plans come in various prices and packages to meet one's requirements.

User Avatar

Instant health insurance quotes may be obtained from various organizations such as HSA of America and state health insurance providers. Instant health insurance quotes can also be accessed online via different state and regional health insurance brokers.

Copyright © 2020 Multiply Media, LLC. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply.