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3 reasons to start your quote with Esurance:
An injury or sickness might slow you down, but they shouldn't have to drain your savings. Having an affordable health plan can help make a bad situation more bearable. Plus, health insurance can lower many everyday costs, like doctor's visits and certain prescription medications. More [+]
That's why we make it easy for you to buy health insurance from one of our trusted partners. You can choose from an array of health plans when you begin a quote through us.
In general, your policy helps cover doctor visits, surgery, hospital bills, pharmacy costs, and X-ray and lab expenses. Some plans also cover vision, dental, long-term, short-term, and mental health care. But coverage varies quite a bit from plan to plan, so be sure to get to know the specifics of your policy or talk to an agent if you have any questions.
We'll help you get a health insurance quote so you can purchase a policy that feels right for you. Plus, you can even access subsidized health plans through the Affordable Care Act. More [+]
After choosing a plan, it's easy to apply for a policy directly online. Typically, once an insurer reviews your application, you'll find out whether you're approved, approved with conditions, denied, or if the insurer needs more information before making a decision.
Though it's rare to come across a fee just for applying for coverage, some insurers do charge a non-refundable application fee. And if you decide against a certain policy during the underwriting process, you can always cancel at no additional cost to you.
Whether it's a Preferred Provider Organization (PPO) plan or Health Maintenance Organization (HMO) plan, you have a lot of choices when it comes to health insurance. Each policy has a deductible amount and a premium amount. The deductible is your out-of-pocket expense — what you pay before your insurance provider steps in. The premium is what you pay every month or year for the policy itself. More [+]
There are a lot of ways to customize your plan to suit your wallet and well-being. Policies with higher deductibles typically come with lower premium payments, although you'll still likely be responsible for paying for some medical bills.
Policies with lower deductibles are more expensive initially, but usually provide better coverage options.
When getting a health insurance quote, it's important to be as honest as possible. In certain cases, undisclosed conditions can result in a canceled policy when you need it most.
Want the best possible care for your pearly whites? You're in luck. You can also purchase dental insurance through one of our partners and find one that's best for you. More [+]
There are 2 primary types of dental insurance: indemnity and managed-care plans. Both have distinct benefits, so it's a good idea to choose the one that meets your specific needs.
Indemnity plans give you the flexibility 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 they allow you to take advantage of pre-negotiated rates, a lot less paperwork, and lower out-of-pocket costs.
Health insurance is offered through unaffiliated partners of Esurance. Esurance does not underwrite, provide customer service, or process or pay claims on these products.