Need Health Insurance? Go Surfing! - KCBD NewsChannel 11 Lubbock

8/3/04

Need Health Insurance? Go Surfing!

Fifteen percent or some 44 million Americans have no health insurance. Many cannot afford the skyrocketing cost. Others have lost jobs and with it, their coverage. If you have a family, this can be a constant source of worry. What can you do about it?

Go surfing, says Gary Claxton Vice President of the Kaiser Family Foundation. He says you can get valuable information on the Internet. It allows you to compare prices and coverage. It is easy to do and not as risky as it seems. Many of the firms have been in business on the Internet for 20 years.

Assurant.com, formerly Fortis, is known for providing short term and student health insurance. As some premiums have jumped 15% in the past couple of years, people are looking to sites such as insure.com, Healthinsurance.com,, and QuickQuote.com provide health insurance as well as life insurance and sometimes renter's insurance as well.

Ehealthinsurance.com, for instance, offers a choice of 4,000 different policies from 140 companies. According to the CEO, they have grown from 2,700 customers in 1997 to over 400,000 today.

While researching and purchasing health insurance on line may be easier, you do have to take certain precautions.

  • The Texas Department of Insurance urges you to check with them before you send your check to make sure the company is licensed. In Texas, call: 1-888-799-6277 or go online to: ( www.tdi.state.tx.us).
  • Make sure you understand what is covered and what is not; what is the deductible and what is the co payment?
  • Compare the cost of the same coverage on several sites.
  • The time to buy insurance is before you develop a medical problem that makes you uninsurable.
  • Check with a local independent insurance agent to compare what they have to offer.
  • Remember that what you want to insure against is the catastrophe-not the cost of one doctor's visit.

Although health insurance may seem expensive, the cost of even minor problems can add up quickly. The cost of no coverage may be higher than a policy that covers the big bills.

Click on the links below to check out the following reliable web sites.

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