Getting a health insurance quote

What’s behind an individual health insurance quotes?

If you’ve been covered by your parents’ or your college’s health insurance plan, you may not know how to go about getting individual health insurance, or about getting quotes for it.

Here’s a glance at what’s involved in getting Minnesota health insurance quote, then applying, for an individual plan, plus a quick highlight of the overall world of health insurance.

Getting an individual health insurance quote and applying for coverage

You can get an instant quote and apply for individual health insurance online. Or you can gather information online about plans like Simply Blue, then work with an agent (they’re independent and it doesn’t cost you any more to work with one).

1. You’ll answer a few questions about yourself – generally, your age, whether you use tobacco and possibly whether you want coverage for something optional, such as chemical dependency. This depends on your medical needs. Then you’ll see an overview of plans that may meet your needs, with a price quoted based on the information you provided.

2. To apply for the medical coverage, you’ll need to answer questions about your health and your previous health care. The insurer needs to have a full picture of your physical condition to determine whether it can offer you coverage and at what price.

Health insurance 101

If you’re looking for an individual plan, it might also help to understand a little about what’s behind health insurance. Health insurance is based on the idea of grouping people into a “pool.” The idea is that everyone pays a little and the money is there to help pay for everyone’s expenses, even those who need a lot of care. This way, no one’s on the hook for the entire, sometimes large, cost of a health care expense. While it might seem like a lot if you’re paying $100 a month for a policy, consider that care for a motorcycle accident averages over $30,000* (and that’s if you were wearing a helmet).

Sometimes people who have yet to be very sick or injured feel like health insurance isn’t worth it. They’re paying in for something they don’t feel they need. That’s why Blue Cross developed a new kind of plan, called Simply Blue that actually pays for the first $500 to $1,000 for care in a year.

Ready to get a no-obligation quote?

learn more about Simply Blue: easy, affordable coverage

* Source: University of Michigan study, 2002.

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