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When you're in the market for medical insurance, it's important to compare health plans and rates so you can get the most benefits for the lowest cost. But no one has time to spend their days comparing health plans. The solution? Use an insurance comparison website to sort through available medical plans and get an assortment of affordable plans that meet your needs. How Does it Work? Insurance comparison websites make it fast and easy to get insurance quotes from different health insurance providers. When you go to one of these websites, you fill out a form and then receive quotes from multiple A-rated health insurance providers. The best comparison sites even let you talk with insurance experts so you can ask questions to make sure you choose the best health insurance provider and get the best price. (See link below). Comparing Plans and Rates Of course, getting the quotes is only the first step. You also need to compare them to make sure you get the best coverage. Some questions you should ask include: * Is the company financially stable? You can check such resources as AMBest.com to check each company’s rating. * Does the company offer good customer service and pay claims promptly? Check their website to see whether it's easy to use, and check your state’s Department of Insurance website and see whether the companies have had any complaints registered against them. * if the plan requires you to choose from a network of doctors, is your doctor included? If not, are you okay changing doctors? * Will the plan cover any pre-existing conditions you have? * Does the plan cover preventive care such as physicals, vaccinations, and well-baby checkups? * What will your out-of-pocket expenses be, taking into account deductibles, co-payments, annual limits, lifetime caps, prescription costs, and other medical expenses. Where to Get the Best Rates Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to compare health plans from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service. The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written numerous articles on how to compare health plans.
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