Sometimes, your workplace insurance might not cover all your insurance needs. Fortunately, you can get help to fill those gaps with supplemental health insurance. But keep in mind that there are lots of providers to choose from. You’ll need to do some research and shop around to find an insurer and policy that fits your needs. This article will dive into several factors to consider when comparing supplemental health insurance providers.
Insurers may charge different amounts for the same policy and level of coverage. It’s important to get quotes from multiple insurers for a given coverage level to see who offers the best rate. This will help you get the coverage you need while minimizing your expenses.
2. Bundle deals
Many insurers provide you with discounts on policies if you get multiple types of policies with them. This is called bundling your policy. For instance, say an insurer offers dental insurance for
$25 per month and vision for $20 per month. Separately, they’d cost $45. But the insurer might let you bundle them and get a rate that’s lower than $45. Consider bundle deals when comparing supplemental health insurance providers to find the right provider and get a great deal on coverage.
3. Customer service
It’s smart to research each insurer’s customer service record. You can gain an initial sense of this when speaking with the insurer before getting a policy, but you should also read reviews of the insurer if possible. High ratings with lots of reviews and minimal complaints is a good sign.
You can check out Google reviews by running a Google search on the company, and look at review websites like TrustPilot for further confirmation of an insurer’s customer service.
Additionally, you can reach out to people you know to see if they’ve worked with any insurers that offered great customer service.
4. Response time
Response time is another non-cost factor to consider when looking for a supplemental health insurance provider. After all, if you have questions or need to file a claim, it’s important that your insurer gets back to you quickly. Once again, you can get a sense of response times when communicating with them while shopping around. But it’s also a good idea to consult review websites and supplemental health insurance customers you know, since they could give you an honest sense of the insurer’s response time.
Find the right supplemental health insurance provider
To find the best supplemental health insurance provider, you’ll need to spend time researching providers based on several factors. Cost is one of the most important, so you should compare quotes from multiple insurers and see if you can get any bundle discounts. You may also want an easy provider to work with. Make sure they have fast response times and strong customer service by reading reviews and talking to people you know who have bought policies from the provider. Keeping these in mind as you look around will help you find a policy that fits your needs at a great rate.
The content herein is provided for general informational purposes and is not provided as tax, legal, health or
financial advice for any person or for anyspecific situation. Employers, employees and other individuals should contact their own advisers about their situations. For complete details, including availability andcosts of Aflac
insurance, please contact your local Aflac agent. Aflac insurance coverage is underwritten by Aflac. In New York, coverage underwritten by Aflac New York.
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