When you keep the same health insurance company for a long time you become comfortable with what they have to offer and may not realize that there are better deals and discounted plans available with different companies. Sometimes it takes someone mentioning what a great deal they have or an advertisement with a truly awesome premium to get your attention. When you do a little research you are likely to find the best health insurance providers.
Look at the range of their products that are offered by a few major health insurance providers to get an idea as to what is available. When browsing online you will discover that the health plans cater to individuals and families, and include health plans for niche markets like parents, children, senior citizens and employers. Upon randomly calling up some of the insurers, you will find out that every health plan caters to several economic groups. Thus you will not need to spend huge amounts for a health insurance policy and will be able to shortlist companies to find a policy within your budget.
Find out the prices of each of their health insurance products and whether they are fixed or negotiable. Many insurers do not announce that their prices can be lowered without taking away a lot of benefits from the policy. Also, if you happen to be lucky in getting a health insurance policy at a lower range, find out from the potential insurer what is included and excluded. You may be better off with the original price if what is being excluded is something you need.
You cannot solely rely on the enthusiastic responses of the customer services regarding company reputations. You can find out their reputation from people who have a direct experience with the company. Do not fall into the comfort zone trap of searching a health insurance company on the internet and think that just because the website is nice their reputation must be good as well, but that is a poor indicator of the reputation of the insurers.
When you speak to the customer service staff, give them fake scenarios to see how they respond to your situation. This may seem ridiculous but is one of the best ways to find out the quality of the company’s customer service. If you are a first time health insurance buyer, the customer services representatives will be cooperative, polite and eager; niceness personified. This is only because they want to entice you to become one of their customers. It is very easy to believe in all of this niceness and fail to find out the real type of service offered. You may want to come up with a really tough scenario and play your role as a difficult customer. This will enable you to discover the real side of the health insurance provider.
Do not limit your search only to insurance companies as there are several specialized health insurance brokers and agents out there. Agents can be much faster in their responses, as well as much more sympathetic and efficient in speeding up your claims. That is not to say that insurance companies do not have these attributes. Quite a few of them do exhibit such positive traits, but their long list of customers can often mean long waiting periods.