So what happens if you fill out the form on one of these sites?  Probably not what you were expecting.  Typically, your information will be sold to four or more agents for a price ranging between $7.00 to $10.00 a piece, and sometimes more.  Once such a lead is sold, you can expect to be called many, many times.   Obviously, this is not something that most people want.  Beyond Quotes avoids this practice.  Instead, we are staffed by qualified health insurance agents who specialize in a range of products.  You can get your quotes online and even buy your policy without ever talking to any if you so choose.  You will still have an agent assigned to your policy which means you have a direct resource any time should you have questions about your health insurance policy.

The other thing that the prudent onlin health insurance shopper should be aware of is that the health insurance quotes that one finds online generally are only basic summaries.  Health insurance tends to be a fairly complex product that many people do not adequately understand.  Very few people, in fact, can tell you how their policy will pay out under differing scenarios.  Lacking this background knowledge, it is not always easy to adequately compare one company against another.  There are also subtle differences in various policy that can make a big difference that aren't going to mentioned in the quote.  This is where an experienced agent can be of greatest assistance.

The best approach today for buying health insurance is to find an company that acutally offers instant, free, accurate, and comprehensive (at least four carriers shold be included) quotes.  From this point, call several agents until you find one you are comfortable with.  Your agent should be able to explain everything clearly, be courteous in answering all of your questions, and should never apply any pressure on you to buy according to his or her time frame.  A good agent should also follow up after the sale to make sure you are satisfied.

 Lastly, an agent should call you periodically to review your policy.  Because the individual and family health insurance is becomming increasingly competitive, a proactive and careful shopper shouldn't have much trouble in saving money.  Your agent should be on top of it.

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