You have a general idea of what you're looking for, and you're ready to quote and compare plans to find the one that fits you best. These answers can help you get started.
Starting your quote
Can I get health insurance through Esurance in my state?
Yes, our partner, eHealthInsurance, is licensed to help you find health insurance in all 50 states, plus Washington, D.C. You can start a health insurance quote here.
Why should I quote and compare with Esurance?
We partner with eHealthInsurance to give you as many options as possible. eHealthInsurance is a licensed agency that allows you to compare up to 10,000 plans from 180 insurance providers. After you enter some basic info, you'll see instant quotes for plans that you can compare side by side. When you find a plan you like, you can buy it online.
Our partner also features online tools that provide customized recommendations to help you find the plan that fits best. Customer reviews and industry ratings are easy to access throughout the process, and you can pick up the phone or chat online with an expert anytime if you need help.
Can I compare dental insurance plans?
Yes. Esurance partners with eHealthInsurance to help you compare dental insurance plans and find the right one for you.
There are 2 primary types of dental insurance: indemnity and managed-care plans. Indemnity plans allow you to choose from a wider range of dentists, but also require you to submit a bill to your insurance provider before you're reimbursed. Managed-care plans come with a smaller network of approved dentists, but in exchange you can take advantage of pre-negotiated rates, a lot less paperwork, and lower costs out of pocket.
If you're shopping for a dental insurance plan, start your quote here and select "Dental" from the dropdown.
How does a pre-existing condition impact my ability to get health care?
Certain pre-existing conditions like heart disease or cancer make it harder to get a new health insurance policy.
The specifics vary depending on the condition and the provider, so we suggest contacting a licensed agent for guidance. You may also be eligible for government-sponsored programs like the Pre-Existing Condition Insurance Plan.
If I go to the doctor often, should I find a health plan with a low copayment?
Yes. If you visit the doctor frequently or rely on prescription medicine, consider choosing a policy with a copayment, or copay, you can comfortably afford. Your copay is what you pay up front for certain medical services and prescriptions. If your copay is $20, your insurance company will cover the total cost of your visit or prescription beyond $20.
Additionally, your copay doesn't count towards your annual deductible, and will have to be paid with every doctor visit or prescription, so make sure it's something you can easily afford.
Buying a health plan
Can I buy any health care plan that I find online?
Not necessarily. After you compare health plans, you can apply for a policy directly online. Once the insurance company reviews your application, you'll find out whether you're approved, approved with conditions, denied, or the insurer needs more information before making a decision.
If you're approved or approved with conditions, your policy could begin on the effective date determined by you and the insurance company. Please note that you're under no obligation to buy a policy during the underwriting process.
If you're approved with conditions, the insurance provider may limit certain health coverages based on medical histories. If more info is required, you may be asked to submit medical records to verify aspects of your application.
If your application is denied, our partner eHealthInsurance can help you find another option.
Will I be charged an application fee when I find a health plan I want to buy?
Not typically, but there are companies who charge a non-refundable application fee. If you shop for a plan through eHealthInsurance, you'll be alerted about any potential fees ahead of time.
If my application for a health insurance plan is approved, do I have to buy it?
No. When you buy a plan through eHealthInsurance, you can cancel it during the underwriting process at no cost to you apart from possible application fees.