before buying a health insurance plan

Things You Should Know Before Buying Health Insurance

  • Author : Jasmine
  • Published : August 17, 2020

Buying a health insurance plan might be one of the most significant investments you will make in your lifetime. So why not buy it right? Navigating through hundreds of insurance company websites, skimming through extensive policy brochures and reading blogs for step-by-step guidance makes the entire process too complicated. But to narrow down your search, we have got a list of things you should know before buying a health insurance plan.

How much will the plan cost?

The cost of your health insurance plan depends upon the deductible, premium, and out of pocket max. So, it is mandatory to know how much the three of them will cost because they impact what you owe to a large extent.

A premium is the amount you will pay monthly towards the insurance; a deductible is the amount you need to pay before your insurance plan starts paying for benefits, which is around 20 per cent. Out-of-pocket max is the maximum amount you have to pay out of your pocket, including the deductible.

Rates.Healthcare brings you plans from thousands of insurance providers offering plans that cover annual physicals with a primary care doctor, flu shots and many other disease screenings at no cost.

What does the plan cover?

While picking a plan, you should consider whether your doctor, therapist, clinic, hospital etc. will be covered. You can check the directory of insurance providers at Rates.Healthcare to know what all is included in the plan. Check out the formulary to know if medical equipment and prescriptions you rely on are covered by a particular plan.

 health insurance plan.

At Rates.Healthcare, you can find plans from insurance providers like Humans, Cigna, Coventry, Aetna etc. These providers offer a policy that covers pre-hospitalization, post-hospitalization, medical check-up costs and other charges.

Who can you call when you have questions?

Knowing if your prospective insurance carrier has a dedicated customer service who could explain to you about bills, claims, deductibles, copays or answer any other query related to the plan is essential. Will there be someone who will help you find a doctor or when you call, whether there will be an automated phone system or an actual human being?

Keeping in mind that the customers might have queries, Rates.Healthcare has a team of licensed agents. In case you have any query related to the plan, you can call up the agents over the toll-free number.

Compare and choose your plan on Rates.Healthcare

Rates.Healthcare brings you an extensive network of healthcare providers from all across the U.S. The objective of Rates.Healthcare is to connect individuals to insurance providers and other affiliates. Humana, Coventry, Aetna and Cigna are some of the renowned providers included in the network. Moreover, you can get the best health insurance plans based on your location, and the entire process is quick and easy.

To buy health insurance from Rates.Healthcare:

Click on this link: Rates.Healthcare

  • Enter your zip code
  • Click on start my quote


  • Enter your First Name, Last Name and date of birth.
  • Select your gender, click next.
  • Select Subsidy eligibility, Household Income, the reason for new coverage.
  • Enter contact information.
  • Click on get my free quote.

After entering hypothetical details of a 35-year-old male, from New York, the following quotes were displayed:

  • Anthem, Humana and Aetna Plans from just $9.92
  • Plans from at just $45/Month
  • Compare Health Insurance Quotes in N.Y.
  • Cheap Health Insurance Quotes in N.Y.

new york

You can view all of these quotes, compare and choose. The Rates.Healthcare website is entirely secure and trustworthy with strict privacy policies.

So, leave your worry and read the guide. Visit the site, register, compare and choose your perfect health insurance plan.

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