Utah Health Insurance Quotes
The question that we hear all the time is "How can I trust the quotes that I receive to be accurate?". Well, the answer is that sometimes you can and sometimes you can't. Some online services, when you attempt to run a quote to find out how much your health insurance premiums will be, only will show you the very top rates that the Utah health insurance companies offer. The thing is, only a small percentage of families actually qualify for those rates. So, it ends up being a teaser to get you in the door only to change the rates after they got you. So, we are going to discuss what information is necessary to get an accurate quote and the questions to ask to make sure they were correct.
Pre-Existing Conditions
Pre-existing conditions are one of the main culprits in getting an inaccurate quote for the premiums and coverage you are eligible for. So, to make sure that you get the right premium quoted to you, make sure you have a list of any prescriptions that anyone has taken in the last 24 months, any health conditions anyone currently has, or any serious health condition like cancer or heart issues for the last 10 years. This information will help us determine which rate category that you will fall under. Also, in some circumstances, an insurance provider may not cover that condition or decline you altogether. So what good is a quote if somewhere down the line the carrier turns you down? The more information you are able to give us, the more accurate we can give you the actual premium.
Body-Mass Index
Another thing that insurance companies look at is your body-mass index. You need to have ready for us, your height and weight for everyone that will be on the health plan. That way we can determine if you fall into the carriers preferred rates or one of the other categories. The reason why is that many healthcare expenses are due to obesity related conditions like diabetes, high blood pressure, high cholesterol or heart disease. So because of the added risk as you get a little heavier, the carriers will penalize you with higher rates. Remember also that some carriers handle things differently. Where one carrier may penalize you heavily for weight related issues, another may not.
Health Insurance Plan
Knowing what type of health plan will go a long to saving you time and also getting the plan that is right for you. Do you want an Utah HSA plan or the traditional type plans that have a copay for when you for a doctor visit and prescriptions. Knowing the difference between a regular major medical plan and the new, but limited, plans like plans with the names "value" or "saver" or "right start" will help you determine if you are getting quotes on similar plans. Please, oh please, don't get stuck with one of those limited plans without knowing what they do or don't cover. Some people will get convinced they are great plans, then come to find out it wasn't exactly what they thought they were and had more limitations than they knew of.
Questions to Ask
There are many questions to ask when getting a quote to make sure it is an accurate one. Here are some that should get you there:
Knowing whether you qualify for preferred rates or standard rates can mean a difference in payments of 20% or more. Most online quotes will only quote you preferred rates and many agents will as well. What happens then is that your rate will change after the carrier takes a look at things and then the agent has to tell you the truth. Always ask whether you qualify for them or not and avoid the feeling later on that you have been taken advantage of. But know that we here at Crystal Pacific Insurance will always strive to give you the most accurate quote possible.
This one is a no-brainer. What good is a great rate if they won't cover your health condition?
This is an important one to consider. Some carriers are only a regional or state specific carrier. So what that means is that if you travel or move, the insurance coverage doesn't go with you or is only provided on an out of network basis. This may or may not be a big deal to you, but this is something important to know.
We hope you find this informative and have armed yourself with more information. If you would like to find out what your accurate health insurance quote would be, please either click the link in the picture abouve or the the link in the left hand navigation, or give us a call. We will then go through your situation and give you the right quote that you deserve.