There are several things to look out for when you are comparing online health insurance quotes. First, you should avoid any quotes that do not give the exact name and address of the company that offers the insurance plan. Second, avoid plans that require pre-existing conditions and/or higher deductibles. Third, be cautious about contacting telephone marketers.
Beware of telephone marketers
As health insurance open enrollment season approaches, it’s important to know what to look for in unsolicited telephone health insurance marketing campaigns. Some callers may pose as representatives of health insurance companies, while others may claim to be government officials. Be suspicious if someone demands your personal information or threatens you with jail time.
Many scams try to trick you by promising an easy solution to your insurance problems. They may use cold calling, online ads, or Google searches to lure you into signing up for a plan. They may even feature the names of major insurance companies to give the impression of legitimacy. Don’t ever provide your personal information to these unscrupulous companies.
Health insurance spam calls are on the rise in the United States. They’re typically made by scam artists who try to con people into paying inflated premiums for health insurance with few benefits. Even legitimate health insurance companies may be breaking the law if they robocall consumers without their prior consent.
Beware of online health insurance quotes that do not give the specific name and address of the insurance company
If you see ads that do not give the name and address of the company, beware. These are often scams and you may be giving out your personal information to thieves. You should never give out any personal information to a stranger, and you should always check online for complaints against the insurance company. You can also visit the Better Business Bureau and the state insurance office to learn more about the insurance company.
Another sign that you should be cautious of online health insurance quotes is when the company asks for your credit card information without giving the exact name and address of the insurance company. Usually these people will ask you for your credit card information in an attempt to trick you into purchasing a plan. The websites may appear to be legitimate insurers, but they are not.
Another sign that you should be wary of online health insurance quotes is if the company is not licensed to sell the particular type of insurance you are interested in. Often these companies will sell you a policy that is worthless or does not provide full coverage. Even worse, you may have to pay for the policy out of your own pocket.
Beware of higher-deductible plans
When you’re getting online health insurance quotes, be wary of plans that have higher deductibles. While these plans can be inexpensive, they often don’t cover basic health care. Several experts recommend that you avoid them. Beware of high-deductible plans: They’re more expensive and are more likely to result in people skipping care.
Higher-deductible plans usually have higher out-of-pocket maximums, which means that you will have to pay more out of your own pocket before your insurance kicks in. In most cases, however, you’ll pay less for your health care once you reach this limit. In fact, the out-of-pocket total for an individual plan cannot exceed $7,000, and $14,000 for a family plan. These plans also typically have lower premiums, so they’re great for healthy people.
Beware of pre-existing conditions
If you are looking to get health insurance coverage, beware of the terms “pre-existing condition.” This term is not new. In fact, about 25 percent of all Americans under the age of 65 have a condition that requires prior medical attention. According to the Patient Advocate Foundation, you should be aware of your conditions before applying for health insurance coverage.
Some health insurance brokers will ask about your medical history and ask about any major illnesses. Beware of these types of sites, as they often try to get your credit card information. Some of these websites may pretend to be legitimate insurers or official ACA signup portals. If you receive such an email, do not click on the link. Instead, type the website address into a web browser and research it.
Beware of hidden costs
Be careful about websites that solicit personal information or push you to buy coverage. These are often bogus scams that claim to be legitimate insurers or official ACA signup portals. The best way to avoid these sites is to do your own research and do not click on links in suspicious emails. Instead, use a search engine to check out the company.