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Friday, April 24, 2009

Cheap Medical Insurance

By Douglas Herold

Browsing the web for cheap medical insurance may seem opposite to what common sense would suggest, but nowadays the internet is that best place to be when looking to buy, you are able to acquire real-time quotes, comparison shopping, and also see which cover would benefit you and your family to the highest degree.

One thing to be aware of when looking to buy medical insurance is that you get the same price whether you chose an insurance broker/ firm or insurance agency. The same plan should be the same price as with any insurance company, this is, in fact, the law and it is always good to know this before you set of to find the best deal for you. The only change you will see in your chosen insurance policy will depend on your own personal factors such as age, gender and how active you life is.

Something to bear in mind when hunting around for cheap medical insurance is looking for sites that offer you free quotations. It is against the law to charge for this so do not be pulled in by anything they may be seeming to offer, it will only lead to disappointment. The best kind of company to look for is one that not only compares costs and finds you quotes designed for your specific needs and has the added bonus of after care. This way you are getting everything you need and have peace of mind at the end of the day.

Generally all the sites share pretty much the same format. You should be faced with a relatively simple three stage process. Quotes - Compare plans - applying online. The 1st step will normally require you to fill out online forms with information about yourself. Stage 2 will be asking you for information about yourself and the family members that you are looking to insure, you'll be asked for such things like heights, weights, gender, dates of birth. You will also be asked whether the people you are insuring are smokers or non smokers whether they are in full time employment or students and if they are currently insured.

Once you have completed the forms you will be able to browse through a whole load of different insurance plans from different insurers. When you get your quote it should read as follows: company name ~ plan name ~ links to plan details and doctors ~ plan type ~ amount of money ~ co-insurance ~ co-pay ~ and the calculated monthly insurance premium. Something else which you will find useful is being able to search all the quote results by any of the factors I have just mentioned, so you can really define your search.

The best sites for cheap medical insurance will enable you to compare the different plans from each company just by clicking on the boxes which will be situated next to the plans which suit you most.

The great thing about searching online is that you can normally apply online as well just by filling out an online form, you can then request to have the documentation sent to you via email, post mail, or by fax. Please remember to check that the site you are using is from a secure server, to check this simply check the 'https' in the URL at the top of the screen.

It may be that you feel a little insecure about applying for medical insurance online as there is no comfort of having a friendly face popping into your living room to talk to you about it. You will get the exact same level of support and guidance by applying online as you would do by having someone visit your home. Applying online simply saves time and makes the whole process far easier for you.

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