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Health insurance online quote
Finding a good free instant online health insurance quote is a little
like finding one fish in a school of thousands – everything looks so
similar, how can you possibly know which is the one you want? Here, we
can help you make sense of all the choices on the market today. We
offer the largest bank of information about free instant health
insurance quotes, and pride ourselves on making the decision process
easier for customers of every age. With our technology, you can search
insurance offerings by region, policy requirements, and even price
points. It’s all part of our commitment to providing you with the
fastest and easiest choices around.
If you’re looking for information about free instant health insurance
online quotes, there’s something else you should keep in mind. When
you change jobs, in order to keep your health benefits, you should know
about a federal law called HIPAA. Formally, this health insurance law
is known as the Kassebaum-Kennedy Act, but also it is known as the
Health Insurance Portability and Accountability Act of 1996. The law
was designed to ease a problem known as “job lock” — the reluctance to
move from one company to another for fear of losing health coverage.
As such, HIPAA factors into every free instant health insurance online
quote you receive on our site and others.
Online health insurance companies have traditionally tried to hold
down their costs by invoking a “preexisting condition” clause — refusing
to cover a condition you had before you bought a health plan. When it
comes to free instant online health insurance quotes, there has long
been a debate about preexisting conditions. If you have diabetes, for
instance, your current group health plan might pay for insulin and visits
to the doctor. Before HIPAA was enacted, if you switched to a new group
health plan, the new insurer could consider your diabetes a preexisting
condition and refuse to cover treatment. You would then have to pay
for all of your diabetes treatment, on top of the regular out-of-pocket
expenses you'd pay for other medical care. The frightening prospect
of having to pay hundreds or thousands of dollars for medical care created
“job lock” and helped fuel the push for legislation banning such practices.
HIPAA was just that.
HIPAA imposes limits on the extent to which some group health plans
can exclude coverage for preexisting conditions. For instance, if you've
had "creditable" health insurance for 12 straight months, with no lapse
in coverage of 63 days or more, a new group health plan cannot invoke
the preexisting condition exclusion. “Creditable” coverage includes
prior coverage you had under any of the following health plans:
- A group health plan
- Medicare
- Medicaid
- A military-sponsored health care program such as TriCare
- Health plans offered by the Indian Health Service
- A state high-risk pool
- The federal Employees Health Benefit Program
- A public health plan established or maintained by a state or
local government
- A health benefit plan provided for Peace Corps members
Whatever kind of health insurance you’ve had for the last 12 months,
one thing is sure – insurance isn’t cheap. Free instant online health
insurance quotes are hard to find but you can find them here, on our
Website. You’ve come seeking free instant online health insurance
quotes, and we hope you’ve found everything you need. Now it’s time to
choose a policy and provider, so choose wisely. And remember it’s
never too late to insure a safer existence
Click here for a Free
Insurance Rate Quote.
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