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


Internet Insurance Leads

It is a fact that more and more people everyday... Read More

Auto Insurance Basics

Most people only think that insurance is something they need... Read More

Buy Life Insurance Online and Save

There are many ways to research and buy a life... Read More

What is Travel Insurance?

Travel Insurance is designed to protect your health, belongings, and... Read More

Health and Dental Insurance Quotes - Applying Online

Since 2001, large health and dental insurance companies such as... Read More

High Risk Auto Insurance - How to Lower Rates

How is your driving record lately? Do you have a... Read More

Types of Homeowner Insurance

There are 6 different types of homeowners insurance in general... Read More

The Life Insurance Plan Online

Thank goodness the internet age has arrived helping us to... Read More

Apply Online for Temporary Health Insurance

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

What is Pet Health Insurance?

Pet Health Insurance can give you the peace of mind... Read More

How Do I Lower My Auto Insurance Rates?

Since there are many factors that go into determining your... Read More

The Surety Bond Domino Effect

I have written many articles about the hard surety bond... Read More

Discount Auto Insurance - Get Low Rates And Superior Coverage

Auto insurance rates can be quite expensive. If you are... Read More

How To Get Cheap Whole Life Insurance Quotes

Whole life insurance quotes the most expensive kind of policies... Read More

Insurance for Those Who Run Bed and Breakfast Properties

A Bed and Breakfast, often referred to as a B&B,... Read More

Affordable Life Insurance!

So, you've decided to purchase life insurance. Well then, you... Read More

How to Match the Right Insurance Policy to the 4 Stages of Life

As we go through life our needs change. A Young... Read More

Check Out The Variety of Auto Insurance Texas Style

They say everything is bigger and better in Texas, and... Read More

Will Online Automobile Insurance Quotes Really Save Me Money?

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

Health Insurance And Insurance Brokers

If you are in the market to purchase your own... Read More

Car Insurance Gearing up to Drive Down Costs

For once finances seem to be going in favour of... Read More

A Life Insurance Quote Became Reality

Life insurance quoteThank goodness John took his life insurance quote... Read More

Do Insurance Premiums Increase Every Year?

Many people ask, "If I am supposed to get a... Read More

Cheap Car Insurance ? 7 Tips To Reduce Your Car Insurance Costs

With the cost of car insurance becoming more and more... Read More

Why Do You Need Homeowners Insurance?

The biggest single investment most people make in their lifetime... Read More

Your Personal Injury Insurance Claim: Several Crucial Insights Into Medical Reimbursements

The best judge of Total Disability and/or Partial Disability is... Read More

Long Term Care and Long Term Care Insurance

A person might need long term care (LTC) if he/she... Read More

5 Steps To Cheap Car Insurance Premiums

Although car insurance is compulsory, it's not necessary to pay... Read More

Life Insurance Careers

Do you like to spend all day being sitting around?... Read More

About Online Term Life Insurance Rates

Online term life insurance ratesHow simple it is today finding... Read More

What Is Term Life Insurance?

There are two different types of life insurance, term life... Read More

Mortgage Life Insurance

Owning a home is a dream for most of us,... Read More