reubenray
Recycles dryer sheets
Without having to find an actual agent from Aetna to get a quote how much difference will the AARP/Aetna plans be from the Ehealth quotes? For my situation the best quotes from Ehealth range from $260 to $500+.
Individual plans are underwritten. That means they probably aren't giving you a quote, just an estimate. You have to fill out a detailed questionnaire with your medical history, they look at it and then give you a rate - or decline to offer you a plan. You can use an independent agent to get better estimates or quotes from multiple insurance providers.Without having to find an actual agent from Aetna to get a quote how much difference will the AARP/Aetna plans be from the Ehealth quotes? For my situation the best quotes from Ehealth range from $260 to $500+.
Individual plans are underwritten. That means they probably aren't giving you a quote, just an estimate. You have to fill out a detailed questionnaire with your medical history, they look at it and then give you a rate - or decline to offer you a plan. You can use an independent agent to get better estimates or quotes from multiple insurance providers.
When we were moving from NY to FL I called BCBS and asked for a quote. They said no quotes until my address was Fl, but they would give me an estimate. They asked about 10 health questions, the answers included disclosure of a pre-existing condition, for which they gave me an estimate and suggested they would attach a rider. We moved, applied, and they denied coverage due to the same preexisting condition. Turns out, it was an automatic disqualifier and there was never any intention of providing coverage. They were kind enough to wait 50 days to let me know, so I had a week to figure out what to do before falling out of the continuing coverage window. Now when I fill out an application for health insurance I get to reply "yes" to "have you ever been rejected for health insurance".Back when I got my HI prior to FIRE'ing, I went ahead and used ehealth to compare the various estimates.
Then I used an agent from NAHU - National Association of Health Underwriters, telling the agent that I had a policy in mind already. The agent was quite helpful in the process.
When we were moving from NY to FL I called BCBS and asked for a quote. They said no quotes until my address was Fl, but they would give me an estimate. They asked about 10 health questions, the answers included disclosure of a pre-existing condition, for which they gave me an estimate and suggested they would attach a rider. We moved, applied, and they denied coverage due to the same preexisting condition. Turns out, it was an automatic disqualifier and there was never any intention of providing coverage. They were kind enough to wait 50 days to let me know, so I had a week to figure out what to do before falling out of the continuing coverage window. Now when I fill out an application for health insurance I get to reply "yes" to "have you ever been rejected for health insurance".
An agent would have helped avoid that. Until the PPACA is fully implemented, an agent is a "must have" IMHO.