Frequently Asked Questions
Does it cost anything to get insurance through Explore Insurance Quotes?
Our services are 100% free. You don't pay anything extra to work with us and get access to all our benefits including free enrollment services, claims help to save on your medical bills and support with any insurance companies.
What are the benefits of working with an insurance broker?
Working with an insurance broker is one of the best decisions you can make when looking for a plan. An experienced agent can help guide you through the often confusing array of options available, and make sure that your plan meets all your needs. Not only do they have access to all available plans, but they can provide advice and support on how to go about selecting the right one for you. They also have knowledge and experience in dealing with insurers, so they know what to look out for when signing contracts. In addition, they can help ensure that any claims are handled correctly and kept up-to-date. With their expertise, brokers can take care of all the hard work, saving you time and effort while increasing your chances of finding the best deal possible.
How does health insurance work?
Health insurance works by covering part or all of your healthcare costs in exchange for monthly premiums you pay to an insurer. You may also have to make co-payments at the time of service or pay a deductible before your coverage kicks in. Depending on the type of plan you choose, some services may be covered 100%, while others may require co-payment or coinsurance.
What kind of health plans are available?
There are many types of health plans available from various providers depending on factors such as location, income level, and family size. Common types include HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), POS plans (Point Of Service Plans) and EPOs (Exclusive Provider Organizations). Each type offers slightly different options for deductibles, copays and coinsurance amounts as well as networks of providers who accept the plan's coverage.
How do I find the right plan for me?
Working with an experienced insurance professional can help you compare different plans side by side so that you can choose one that fits your budget and meets your personal healthcare needs. An independent broker can also help you understand how much your plan will cost each month as well as any potential tax savings opportunities that may be available depending on your situation.