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Health
Insurance Information
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Frequently
Asked Questions
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Why
should I purchase my health insurance from 3DQuotes.com?
3DQuotes.com
gives you the information you need to make your health insurance
purchasing decisions with confidence. We provide you information all
the top-rated health insurance companies. We provide instant
individual and group health insurance quotes, an online health
insurance application, and an online 24 hour a day e-mail status site.
We give you simple instructions, and competent and qualified staff to
respond to your needs over the net or over the phone.
We provide a TOLL FREE telephone number for your convenience ...
1-800-849-0953. It has never been easier to purchase individual or
group health insurance. For more information please visit About Us.
Our extraordinary carrier database means more choices for you and
you can rest assured that you can purchase for the lowest premiums
available.
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Health
insurance defined
Health insurance
is an insurance policy covering a person's medical , hospital, and
emergency care according to the terms of the health insurance policy.
It is often offered with a variety of additional benefits.
Health insurance policies generally do not have long term rate
guarantees. The benefits and rates generally vary according to
the health insurance policy. Individual health insurance
policies generally covers individuals and their families. Group
health insurance is often provided through an individual's employer.
Individuals and their spouses and children are often covered by health
insurance. .
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What
kind of health insurance do I need?
3DQuote.com
understands that each family has individual health insurance needs.
There is no set rule as to what kind of health insurance to buy.
You must consider your own needs and review the available benefits
provided for each plan and health insurance company. You need to
decide what kind of health insurance policy you want to provide for
your family as well as to fit within your budget. You have to
decide what kind of medical needs you can anticipate for your family
situation.
For
businesses group insurance is often chosen based upon a combination of
the premium that is affordable for the company and the benefits the
company wishes to provide for its employees.
For many the
answer is simply the kind of policy that makes you feel your family is
safe.
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What
is a Rate Guarantee?
A level rate
guarantee simply means that your premium will not change for a
guaranteed period of time. Generally individual plans do not have a
rate guarantee. Usually the health insurance company
re-evaluates its rates every six months to a year. This varies
based upon the health insurance carrier.
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What
is the difference between a PPO - HMO - and Indemnity Plan?
Health insurance companies generally offer a variety of health insurance plans and options. A PPO is also known as a Preferred Provider Organization. It is generally a health insurance plan which provides increased benefits when you go to participating panel medical providers. An HMO is also known as a Health Maintenance Organization. It generally requires that the plan member goes to plan providers and pays little or nothing for the visit. Generally visits to no-plan providers are not permitted except in emergencies. An indemnity plan is one which generally permits the plan member to got to any medical provider for covered injuries and illnesses but pays only a percentage oft the medical change. Many plans offer a combinations of the above will varying benefits. Which plan you choose will depend upon your particular needs and interests.
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What
premium payment options do I have?
3DQuotes.com
online quotes are for monthly health insurance premiums. Most health
insurance companies offer a variety of plans including health
insurance premiums on a check-a-matic (monthly), quarterly, or
semi-annual basis.
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How
long will this take?
The health
insurance company cannot begin underwriting your health insurance
policy until you have completed and returned your signed application
to the health insurance company and they have received your payment.
. Generally it takes three to four weeks to complete this process. If
the health insurance company has to get your doctor's records it will
generally take 4 to 7 weeks since the health insurance company has to
depend upon your doctor's promptness in providing them the records
they need.
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What
about my privacy?
3DQuotes.com
is committed to protecting your privacy. You can rest assured that we
respect your right to keep information that you provide confidential.
The information that we receive from this website will not be not be
used for any purpose other than its intended purpose of assisting you
in securing the best health insurance policy that is available for
you.
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Who
are the PANEL PROVIDERS?
3DQuotes.com
provides you direct links to
Blue
Cross,
Blue
Shield of California,
HealthNet,
CalFarm,
Universal
Care, and
PacifiCare,
for complete and current lists of their respective panel medical and
hospital providers. Bear in mind that these links are serviced
directly by the respective insurance companies and as a consequence
the dates and times of their routine maintenance are not within our
control. However, if you have any difficulties at all, give us a
toll free call, and we will provide you free information, and provider
booklets, to help you with your health insurance purchasing decisions.
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Can I
Download Application From The Web Site?
3DQuotes.com
offers health insurance applications that may be downloaded and
printed from our web site. These
forms are in the PDF format. You must have Adobe Acrobat Reader to
view these forms. This
software is available for FREE from the Adobe Acrobat Web Site. Click
the icon below and verify that your version of Acrobat Reader is the
most current version available. Please note we do not provide
Technical Support for Acrobat Reader Software. To download
insurance applications, click here.
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3DQuotes Health Insurance