Finding low cost health insurance can be a challenge, especially with the broken economy and families often not knowing which way to turn for help. However, it doesn’t have to be impossible. Here are some tips and advice to help you find a reputable company for the best price.
Step 1: Evaluate your situation.
Take a piece of paper and draw columns for the things you will need to consider. If the most important thing is dental coverage, for instance, put that first, and your next consideration second, etc. Write down the insurance companies’ responses–this way you can do a quick comparison.
Step 2: Find Reliable Companies
When you go to an insurance company’s website, is it flashy, unprofessional, and just plain suspicious-looking? Follow your instincts. While not all companies that have these features are untrustworthy, the professional-looking websites usually indicate a professional demeanor and considerate employees. List the ones you like–including ones you find by telephone–on your sheet.
Step 3: Contact
Now you just ask them your important questions. If the agent does not want to take the time to answer them, it is a red flag. Another warning is not getting straight answers. Yet another one is the old line, “Expensive? Don’t you want the best for you and your family?” A professional agent will understand your need to save money right now.
Once you have narrowed down your choices, don’t forget the most important step–check out the company with the Better Business Bureau and insurance commission. You will not be sorry you did.