Top ways to save on health insurance Jacksonville

Affordable health insurance options:  

In the Jacksonville Florida market you have a bunch of options available to you when it comes to health insurance for individuals. There are many companies such as Blue Cross, Aetna, United Health Care, Humana etc. that will all offer individual insurance to you. Each company has its own underwriting guidelines, so be careful when doing your research to make sure that if you have any medical conditions that they will accept you for the insurance. Most companies will allow you to do a pre-screen, which will allow the company to make an informed decision on whether they will or will not accept you. While individual insurance is generally cheaper, unless you work for a company that pays most of the insurance costs, remember that premium increases can happen yearly and be often expensive.

Online health insurance shopping: When it comes to shopping for health insurance, the easiest way is to do it online. Don’t waste time calling around to insurance agency offices and insurance companies. Now a days most internet sites have multi quote engine that will allow you to enter in your information and get quotes from several different carriers and different plans at the same time. Some even will let you apply online as well. This is a good option as long as you don’t have any questions regarding the coverage. The only company that does not allow multi quoting from several carriers is Blue Cross of FL. You have to either go to their website or call a Blue Cross agent to get a quote on their insurance products. Remember to always make sure you understand the coverage’s you are applying for. If you have any questions at all, call an agent or the insurance company directly.

Applying for health insurance jacksonville coverage: Applying for health insurance coverage is very easy to do and can be done online, in person or over the phone. Once you apply for individual coverage, depending on health conditions, it can take up to 6 weeks for the underwriting department to review all material and then make a decision. If you do get accepted you have a 10 day free look period which allows you to cancel and get your entire initial premium back. After that the contracts are generally month to month and can be canceled at any time. Beware though that canceling one policy in force before getting accepted for another is not good practice as you may be left without insurance.