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Esurance partners offer health coverage you can count on

Sure, you may be healthy as a racehorse. But an unexpected injury or sickness can not only slow you down — it can drain your savings. That's why it's so important to have an affordable health insurance plan. It can provide much-needed assistance for things like doctor's visits, prescription costs, and more.

We partner with trusted providers to help you find a health insurance policy that makes sense for you. In minutes. Start a health insurance quote to choose from an array of plans.

How health insurance works

We know. Health insurance can be confusing. Whether you're looking for a Preferred Provider Organization (PPO) or a Health Maintenance Organization (HMO), there are loads of options to choose from.

Regardless of which option you pick, you'll have a premium and a deductible. Your premium's what you pay every month for the policy. The deductible, on the other hand, is what you'll pay out-of-pocket for your medical expenses.

If you select a plan that requires a co-payment for appointments, keep in mind that these co-pays may not apply toward your deductible. But in many cases, your co-pay will go toward your out-of-pocket maximum for the policy term. After you hit that max, your policy might even cover 100 percent of the additional expenses.

Usually, paying a higher premium for your health insurance means you'll have a lower deductible. Policies with lower deductible may be more expensive month-to-month, but they usually provide better coverage options.

When you get a health insurance quote, it's important to be as honest as possible. Some insurers may even cancel your policy if they find that you haven't disclosed a medical condition.

What's covered?

Typically, health insurance covers doctor's visits, surgery, hospital bills, pharmacy costs, X-rays, and lab expenses. Some plans also cover vision, dental, long-term, short-term, and mental health care.

That said, every plan's different. That's why we suggest taking a close look at the specifics of what's covered before you buy. And if you have questions, reach out to an agent who'll be happy to help.

How to buy your health insurance plan

With a few clicks and a few details, you can get a health insurance quote to help you find the policy that's right for you. We'll even show you plans that're subsidized through the Affordable Care Act.

Then, once you choose a plan, we'll help you apply for a policy online in a snap. 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 info before they make a decision.

The process is usually free, but some insurers do charge a non-refundable application fee. But if you opt for a different policy during the underwriting process, you can always cancel. Free of charge.

Chew on this: Dental insurance made easy

Looking to keep those pearly whites … well … pearly? You're in luck. Esurance has partners who provide top-notch dental insurance.

Dental insurance comes in 2 forms: indemnity and managed-care plans. Each type provides different benefits, so you'll want to choose the one that's right for you.

With an indemnity plan, you can choose from more dentists. But you'll have to foot the bill up front and submit it to your insurer to get reimbursed. On the other hand, a managed-care plan usually comes with a smaller network of dentists, but the amount you pay is pre-negotiated. Meaning you pay less out-of-pocket. Oh, and you do less paperwork.

See how much you could save on health insurance