Health Insurance Online Review

Health Insurance Online - Overview

As pending reforms have made the health insurance landscape more confusing than ever, Health Insurance Online is a great resource for consumers, offering tools and information that enable them to make the right choices. The online portal explains what options are available by state, and also contains a wealth of resources and articles that help consumers understand the current state of health insurance as a whole. In addition to health insurance, Health Insurance Online provides access to cheaper short term plans, as well as Medicare and Medicare supplemental insurance. As Health Insurance Online is a marketplace, affiliate carriers will vary by state. Some prominent ones include Standard Life, National General, UnitedHealthCare, and Everest. 

Methods of Application

• Online
• Speak with agent (866) 954 1892

Plans

Health Maintenance Organization (HMO) - These plans feature a low premium and low copay. However, you must first see your primary care physician in order to get a referral to see a specialist.

Preferred Provider Organization (PPO) - These plans are generally more expensive because they do not require you to first consult your primary care physician before seeing a specialist. 

Health Savings Account (HSA) - Patients can deposit non-taxed funds into a savings account exclusively for medical costs. 

Point of Service Plans (POS Plans) - Under these plans customers must choose their primary provider from within the company's network, but only have limited access to specialists.

High Deductible Health Plans (HDHP) - These plans feature low premiums but very high deductibles for medical care. 

Short-Term Health Insurance - Short term health insurance plans are lower cost plans with higher deductibles, coinsurance, and sometimes copays. They are not ACA compliant and not required to cover pre-existing conditions. They are ideal for healthy/young individuals or those ineligible until ACA open enrollment. Short term plans should be used as a stopgap measure to protect against emergencies and unexpected medical bills. 

Obamacare Plans

Affordable Care Act (ACA) plans are available through Health Insurance Online during open enrollment, or if applicants have experienced a Qualifying Life Event. These plans are federally regulated and must all cover the "10 Essential Benefits" which include:

• Ambulatory services
• Emergency services
• Hospitals
• Maternity and newborn
• Substance abuse and mental health
• Prescription drugs
• Rehabilitative services
• Labs
• Preventative and wellness
• Pediatric services that include dental and vision

ACA plans are broken down into 4 "metal" tiers, including bronze, silver, gold, and platinum. The main difference in plans is the amount of coinsurance you pay verses your monthly premium. With bronze plans customers will pay 40% of all medical costs, these are good for generally healthy people and young folks who do not anticipate medical problems who want to pay a low monthly premium. Conversely, platinum plan customers only pay 10%, an ideal arrangement for those who anticipate lots of medical expenses and are able to pay a high monthly premium. Customers will be liable for their percentage up until their out of pocket maximum, then the plan will cover 100% of further expenses. 

Metal Tier Plans

Application

Health Insurance Online only requires a few details in order to start quoting you health insurance plans available in your area. This includes:

• Zip code
• Birthday
• Gender
• Height
• Weight
• Medical Conditions
• Household size/income
• Evidence of qualifying life event
• Contact info

Customers should be aware that by clicking the submit button, they are consenting to be contacted by automatic telephone dialing system or by artificial/pre-recorded message, email, or by text message from Health Insurance Online and multiple partner companies.

Health Insurance Online

Health Insurance Online is a great choice for obtaining health insurance mainly due to its flexibility. However, the platform provides so many different options customers are encouraged to scrutinize the search results to make sure they are getting the type of insurance they want: HMP, PPO, ACA-certified, short-term, etc. Also, since Health Insurance Online works with so many different providers nationwide, customers should also do their due diligence in researching the reputation of whichever provider the website ultimately seeks to connect them with.