EHealthInsurance claims to be "Your Ultimate Resource for Health Insurance", and they may be right. It offers comprehensive information for individual and family health plans, group plans for small businesses, and Medicare Supplement plans for seniors. The site has a wide selection of health plans from most of the leading insurance companies, and maintains a very impressive database that provides comprehensive description of health plan benefits. More importantly, it is quick and easy to comparison shop for the best prices on most leading health plans available in your local area.|
The wide variety of health plans offered by eHealthInsurance for individuals, small businesses, and seniors, include PPO, POS, HMO and MSA plans. The plans quoted are generally offered from the leading carriers in the zip code zone submitted by you. A sample search request for Southern California resulted in benefit and rate quotes for various plans from Blue Cross, Blue Shields, Pacificare and Health Net. The site also provides a Physician Directory for many of the plans. Thus you will also be able to check the online directory to see if your preferred physician is in a certain plan's network, a factor
that may be critical in your health insurance decision.
It seems that eHealthInsurance has tried to make the site as user friendly as possible. For individuals and seniors, all you need to enter is just your zip code and a few simple answers and you are off to comparison shop the leading health plans available in your region. Small businesses will have to provide more detailed information about their companies before they can get information regarding Small Group Plans. Although the task of filling out the Company Information seems daunting, eHealthInsurance tries to help you along as much as possible by providing helpful tips and samples of documents along the way.
Once you have obtained the list of benefit plans available in your area, you can sort the various plans by selecting the factor that is most important to you. If price is the most important, you can elect to have the plans listed in order of increasing premium price, deductible amount, office visit copay amount, or coinsurance amount. If the insurance company is the primary factor, then you can sort by the insurance company. Once you have the plans properly sorted, EHealthInsurance also allows you to pick up to 4 of the most interesting plans to do a side-by-side cost-benefit analysis. EHeathInsurance will place details of each plan side by side so that you can easily view and compare their costs and benefits.
After you have completed your review of the plans costs and benefits, please be sure to read the "Important Notices and Disclaimers provided by eHealthInsurance. The Notices and Dislcaimers will warn you that the "Monthly Premium amounts shown are subject to change based on your medical history, the underwriting practices of the health plan, your selection of optional benefits, if any, and other relevant factors. Carriers reserve the right to change policy terms upon proper notification."
Once you have found the plan that fits your need, you can submit an application for that health insurance plan online. The application will take approximately 20 minutes to complete, so be sure that you have the time to finish the application. Individuals that meet certain eligibility requirements will be able to get Preliminary Approval after submittal of application online. Individuals that do not meet those eligibility requirements but do not require additional medical information will be able to get preliminary approval within 24 hours after online application submittal.
EhealthInsurance's ability to instantly provide insurance plans' rates and benefits information from most leading insurance companies in the region makes it one of the most comprehensive online comparison shopping services available online or anywhere else. Moreover, its attentiveness to making the site so user friendly should also
make it one of the most popular online destinations for health insurance shopping.