Frequently Asked Questions about Getting Health Insurance

Here are the answers to the most commonly asked questions about getting health insurance.

How do I get some health insurance?

You can get some health insurance easily and quickly on our site. Just click "start now" and fill out our short application. Once you complete the application, we will supply you with affordable quotes on health insurance from several major carriers. These quotes and our application are completely free.

Can I get some health insurance that is affordable?

Our site is designed to help you get some health insurance that is both affordable and high-quality. We do your comparison shopping for you by providing you with quotes from various carriers on health insurance. This means our quotes will be more competitive than those of other sites because our carriers compete for your business.

What kind of health insurance is the most inexpensive?

If you would like to get some health insurance that is inexpensive, you have several options from which to choose. You might select an indemnity plan, for example, that requires you to pay certain levels of co-insurance and deductibles. These payments can be modified to help the plan fit into your budget. Alternatively, you might select a hospitalization or catastrophic illness plan that just covers emergency health care. You can also supplement these kinds of coverages with a medical discount card. A medical discount card is not a substitute for a health insurance plan but can save you a percentage of the costs for routine medical care.

Will my insurance pay for prescriptions?

This will depend on the type of health insurance plan you choose. For the most part, you will have to make co-payments on your prescriptions. In addition, some plans do not cover all types of prescription drugs. For example, contraceptives and hormone replacement therapies are often not covered.

What are limitations and exclusions?

Before you get some health insurance, you should know what the limitations and exclusions are for each policy you're considering. Exclusions specify services that are not covered, such as mental health care or cosmetic surgery. Limitations refer to caps insurance companies impose on how long you can stay in the hospital or how many therapy sessions you receive, for example. To learn why health insurance is so important, see our "The Dangers of Being Uninsured" page.