Frequently Asked Questions

Here are the answers to the most commonly asked questions about comparing health insurance quotes.

I only want the most basic type of health insurance for emergency situations. Can I find quotes on that kind of policy here?

The type of health insurance you are most likely referring to is catastrophic coverage, which only pays for major illnesses and injuries. Catastrophic coverage does not pay for routine medical care, prescriptions, preventive care, and similar non-emergency services. We do allow our visitors to compare health insurance quotes on this type of coverage.

If I am self-employed, is it still possible to find affordable health insurance?

Yes, affordable health insurance does not require employer subsidization. Although employer-subsidized plans tend to be the cheapest, they are not the only type of reasonably priced health insurance policies. They key to finding affordable independent coverage is to compare health insurance quotes thoroughly. The more shopping you do, the more likely you are to find the best deal possible for your needs.

I have a pre-existing condition. Am I insurable?

Some independent health insurance plans require a medical exam prior to issuing coverage. After you compare health insurance quotes, you may have to provide a medical history, have bloodwork done, or undergo tests before you can qualify for a policy. Consequently, a preexisting condition may disqualify you from some plans. However, every insurer rates risk in different ways, so you might still qualify with another insurer. You may also receive conditional coverage, meaning your health insurance plan will cover everything except your preexisting condition.

I don't want to have to get a referral from my primary care doctor in order to see a specialist. What type of plan will allow me to do this?

You want the plans that allow policyholders the most flexibility and choice in medical care decisions. Usually, PPO and indemnity plans offer the highest degree of freedom. PPO plans do not require a referral to see a specialist and will reimburse you at the maximum rate for a specialist visit, as long as the specialist is in network. Indemnity plans allow you to choose any health care provider and be reimbursed at the same rate regardless of your selection. When you compare health insurance quotes, though, remember that more flexibility and freedom of choice usually translate into higher out-of-pocket costs.

Where can I learn about customer complaints issued against health insurance companies?

Your state department of insurance should have a website where you can look up customer complaint ratios for all of the health insurers licensed to do business in your state. You will be able to see how many complaints policyholders filed for every 1,000 claims made. Make sure you consider this information as you compare health insurance quotes.