Health and Dental Insurance Quotes - Applying Online

Since 2001, large health and dental insurance companies such as BlueCross and GE Financial have offered health insurance online. As a result, individuals and small business owners have more options when purchasing insurance. Consumers can access quotes for premiums and coverage plans to find the most affordable package for their needs.

Determine Your Needs

Health and dental insurance is not just about finding the lowest premiums. You also need to factor in the costs of co-pays, deductibles, and maximum benefits. Determine how often you see a doctor and how much you can afford to pay in medical expenses. Too little coverage can set you back financially if you have an unexpected hospital bill, so make sure you have enough coverage to protect yourself.

You should also be aware that pre-existing conditions are not typically covered for the first 12 months of the health or dental insurance policy. This is common whether you receive coverage from an employer or purchase it yourself.

Start Getting Quotes

Online health and dental companies are dominated by traditional insurance companies, not shady entities. These traditional insurance companies use the internet to allow you to research their financial records, terms and conditions, and customer service practices. The internet has also increased competition between providers, resulting in more affordable options for individuals and small business owners.

Comparing Quotes

When you request a quote online for health or dental insurance, the company will give you a "base" rate quote, what an average consumer will pay in your area with average health conditions. The more information you provide, the more realistic the quote will be. "Base" quotes allow you to quickly compare plans and prices, without having to submit answers to a tedious amount of questions.

The Official Quote

To get an official quote, you will need to fill out an application with an insurance company. Typically an insurance company will require access to your health records, submitting to a medical exam, and providing answers to a detailed questionnaire. The insurance company uses the information to determine your risk to give you an official quote.

Once you have an official insurance quote, the paperwork is practically finished so you can quickly have health and dental insurance. The entire process can take up about four weeks.

To view our list of recommended companies online that provide health insurance and can help you compare quotes, visit this page: Recommended Insurance Companies Online.

Carrie Reeder is the owner of eZerk, an informational website with articles and information about various topics.

In The News:


pen paper and inkwell


cat break through


Disability Insurance For The Long Term

Disability insurance covers you for an extended period of time.... Read More

Car Insurance Advice for Young Drivers in the UK

Over the course of the last ten years, car insurance... Read More

Whole Life Insurance - Whole Life Insurance Information

The original purpose of life insurance was to provide for... Read More

10 Ways To Save On Car Insurance

For most people car insurance is a the single largest... Read More

What Answers To Questions For A Home Insurance Price Quote Will I Need To Know?

Lets face it, finding the best home insurance price quote... Read More

Auto Owners Insurance ? Do You Really Need It?

If you think you don't have any need for auto... Read More

Does an HSA Cover Alternative Medicine?

A Health Savings Account (HSA) does not really cover alternative... Read More

Hidden Ways to Cut Car Insurance

Consumers are countering rising gasoline prices and other vehicle operating... Read More

Why Should I Go To A Life Insurance Broker?

A life insurance broker is a dedicated person that encourages... Read More

Life Settlements, More than a Cash Surrender Payout

With a life insurance settlement, seniors now have the ability... Read More

Filing Homeowners Insurance Claim Forms: What Steps to Take

Filing a homeowners insurance claim can be done with ease... Read More

Buildings Insurance and the Threat of Flood

What is the impact of increased flooding risk in the... Read More

Travel Insurance Pre-Existing Conditions Coverage - How It Works

What is a Pre-Existing Medical Condition?When a trip cancellation travel... Read More

Can I Really Get Life Insurance, No Exam Required?

Changing the way that life insurance is bought and sold... Read More

What Type of Doctor Should I See Under My HSA?

You can withdraw money from your Health Savings Account (HSA)... Read More

Do An Auto Insurance Comparison And Benefit From The Savings

It is very important to do an auto insurance comparison... Read More

Car Insurance Monitoring for Discounted Insurance Rates - Privacy Devouring Monster Eating Us One Bi

For a price, would you let car insurer along for... Read More

Will Online Automobile Insurance Quotes Really Save Me Money?

If you're looking to save money on your auto insurance... Read More

Travel Insurance Might Be Just What You Need!

Travel insurance is something that many people haven't considered. Sure,... Read More

Medical Bankrupticies: What You Can Do To Protect Yourself

First the bad news: about 2,000,000 personal bankruptcies each year... Read More

UK Young Driver Motor Insurance - Build Your Own No Claims Bonus or Insure through Your Parents

For may young drivers, affording the costs of motor insurance... Read More

Are You Overpaying On Your Home Insurance Policy?

For many consumers the cost of daily living is becoming... Read More

An Intro To Life Insurance

There are many options available for life insurance, and for... Read More

Why Would I Need Auto Insurance Specialists?

If you do not understand the way that auto insurance... Read More

Insurance or Assurance - Do You Need Reassurance?

Insurance versus assurance: what is the difference?Should you care?Yes!!The world... Read More

What Is Meant By Automobile Insurance Standard Coverage?

Automobile insurance standard coverage is the basic amount of insurance... Read More

7 Tips Toward Helping You Reduce Your Insurance Costs

Not a year goes by that insurance rates go up.... Read More

Auto Insurance In Texas

If you are looking for auto insurance in texas, you... Read More

Why Boats Are A Pleasure... But You Still Need Boat Insurance

One of the greatest pleasures that a man can have... Read More

General Knowledge - Critical Illness Insurance

Critical illness can happen to anyone, and often does. If... Read More

Senior Health Care Insurance

Health Insurance For Seniors On The NetWhen a good friend... Read More

Apply Online for Temporary Health Insurance

There are times when you'll find yourself temporarily without health... Read More

Term Life Insurance - Buy Term and Invest the Difference!

The phrase "BUY TERM AND INVEST THE DIFFERENCE" evolves around... Read More