Health and Dental Insurance Quotes - Applying Online

Since 2001, large health and dental insurance companies such as BlueCross and GE Financial have offered health insurance online. As a result, individuals and small business owners have more options when purchasing insurance. Consumers can access quotes for premiums and coverage plans to find the most affordable package for their needs.

Determine Your Needs

Health and dental insurance is not just about finding the lowest premiums. You also need to factor in the costs of co-pays, deductibles, and maximum benefits. Determine how often you see a doctor and how much you can afford to pay in medical expenses. Too little coverage can set you back financially if you have an unexpected hospital bill, so make sure you have enough coverage to protect yourself.

You should also be aware that pre-existing conditions are not typically covered for the first 12 months of the health or dental insurance policy. This is common whether you receive coverage from an employer or purchase it yourself.

Start Getting Quotes

Online health and dental companies are dominated by traditional insurance companies, not shady entities. These traditional insurance companies use the internet to allow you to research their financial records, terms and conditions, and customer service practices. The internet has also increased competition between providers, resulting in more affordable options for individuals and small business owners.

Comparing Quotes

When you request a quote online for health or dental insurance, the company will give you a "base" rate quote, what an average consumer will pay in your area with average health conditions. The more information you provide, the more realistic the quote will be. "Base" quotes allow you to quickly compare plans and prices, without having to submit answers to a tedious amount of questions.

The Official Quote

To get an official quote, you will need to fill out an application with an insurance company. Typically an insurance company will require access to your health records, submitting to a medical exam, and providing answers to a detailed questionnaire. The insurance company uses the information to determine your risk to give you an official quote.

Once you have an official insurance quote, the paperwork is practically finished so you can quickly have health and dental insurance. The entire process can take up about four weeks.

To view our list of recommended companies online that provide health insurance and can help you compare quotes, visit this page: Recommended Insurance Companies Online.

Carrie Reeder is the owner of eZerk, an informational website with articles and information about various topics.

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://seattlepi.nwsource.com/local/6420ap_wa_autism_treatment.htmlcid=1256979486ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNECrPth5POec83fOSlaSTFOm6upZAPopular autism treatment often goes uncovered/abrfont size=-1font color=#6f6f6fSeattle Post Intelligencernbsp;-/font nobr8 hours ago/nobr/fontbrfont size=-1None of it is covered by the family#39;s health binsurance/b plan. bInsurance/b industry representatives such as Susan Pisano, spokeswoman for the national industry b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://chattahbox.com/health/2008/10/05/rescue-package-helps-expand-mental-health-coverage/cid=1252976413ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNGXm0ED-zUNrRu7rDxZviib1GZe3wimg src=http://news.google.com/news?imgefp=E1YyBrBI7c0Jimgurl=www.chattahbox.com/images/rescue_package_mental_health.jpg width=80 height=79 alt= border=1brfont size=-2ChattahBox/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://fredericksburg.com/News/FLS/2008/102008/10122008/417182cid=1252976413ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNGa-RKKQmwNmK4Pi7XrRMvm75hySQLegislation levels the binsurance/b field for physical or mental b.../b/abrfont size=-1font color=#6f6f6fThe Free Lance-Star,nbsp;VAnbsp;-/font nobrOct 11, 2008/nobr/fontbrfont size=-1FOR THOSE WHO suffer from a mental illness, and those who love them, the question has long been this: Why does the guy next door with diabetes get b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.time.com/time/nation/article/0,8599,1848887,00.htmlcid=1252976413ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNFFHjGfbi2qzhQxQY4kT7NYXzPupwSen. Pete Domenici on Mental Health/a font size=-1 color=#6f6f6fnobrTIME/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/10/09/AR2008100902873.htmlcid=1252976413ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNGkwCgWie8_FdmvdbAAGwnpypN86ALaw Equalizes Coverage For Mental, Physical Care/a font size=-1 color=#6f6f6fnobrWashington Post/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/10/10/opinion/lweb10mental.html%3Fref%3Dopinioncid=1252976413ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNHTh2GMtxppjQj40yj3ewuq05XiawMental Health Coverage/a font size=-1 color=#6f6f6fnobrNew York Times/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.kansascity.com/115/story/829683.htmlcid=1252976413ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNFlLgaP0hozj9rVPZNholA8DRx2vgnobrKansas City Star/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.heraldtimesonline.com/stories/2008/10/09/digitalcity.qp-0634706.stocid=1252976413ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNFC34E38hb9LJ6QeujKony7n2djbQnobrThe Herald-Times (subscription)/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1252976413hl=ennobrall 186 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://abcnews.go.com/Business/PersonalFinance/story%3Fid%3D5966689%26page%3D1cid=1255233354ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNH6-uiS7Jk-ES-7gRilsxG7P33BPAimg src=http://news.google.com/news?imgefp=f3EyX2qoJlgJimgurl=a.abcnews.com/images/Business/nm_safe_081006_mn.jpg width=80 height=60 alt= border=1brfont size=-2ABC News/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://seattletimes.nwsource.com/html/businesstechnology/2008256756_pffundins12.htmlcid=1255233354ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNHlv1rrsK9GSiFy_lpxTZRzDpUcogFidelity, Vanguard join money-fund binsurance/b plan/abrfont size=-1font color=#6f6f6fSeattle Times,nbsp;United Statesnbsp;-/font nobr21 hours ago/nobr/fontbrfont size=-1Fidelity Investments have joined the US Treasury#39;s emergency binsurance/b program for money-market mutual funds, pushing the participation rate to more than 95 b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/10/11/AR2008101100174.html%3Fhpid%3Dtopnewscid=1255233354ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNEK26ma1vXgfCRE5FS2DMCqwV_xtQFunds Turn To Treasury Guaranty/a font size=-1 color=#6f6f6fnobrWashington Post/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.thestate.com/business/story/551687.htmlcid=1255233354ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNGguIiLVuHT6a5xS8oVijPTQSMRQAWorried about the economy?/a font size=-1 color=#6f6f6fnobrThe State/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.onwallstreet.com/asset/article/714411/money-market-mutual-funds-apply-treasurys.html%3Fpg%3Dcid=1255233354ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNE0QPs6JyylbzyJg-H7NJOz3f0GRgMoney Market Mutual Funds Apply for Treasury#39;s bInsurance/b Program/a font size=-1 color=#6f6f6fnobrOn Wall Street/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122360110812721677.html%3Fmod%3Dgooglenews_wsjcid=1255233354ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNE7J8exOghKZfSCZmP_PfQpg4DE7QnobrWall Street Journal/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dallasnews.com/sharedcontent/dws/bus/columnists/pyip/stories/DN-moneytalk_06bus.ART.State.Edition1.26b606e.htmlcid=1255233354ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNGf_byjGDfNM3pIU2SCXPwYI2rF6gnobrDallas Morning News/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255233354hl=ennobrall 283 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.asahi.com/english/Herald-asahi/TKY200810130044.htmlcid=1255992539ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNGi7ZtuwtTsHD5zG6LiK9R8UD40nwEDITORIAL: Stock markets on ropes/abrfont size=-1font color=#6f6f6fAsahi Shimbun,nbsp;Japannbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1Adding to this unpleasant economic news, Yamato Life bInsurance/b Co., a midsize firm that invested heavily in REIT and other high-risk US financial b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.hindu.com/thehindu/holnus/000200810101676.htmcid=1255992539ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNG9m-Lf0oF1zC2HwBXbI_jQhc2KXAJapan#39;s Yamato Life bInsurance/b files for bankruptcy/a font size=-1 color=#6f6f6fnobrHindu/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.telegraph.co.uk/news/worldnews/asia/japan/3179580/Japan-in-desperate-effort-to-halt-its-own-downward-economic-spiral.htmlcid=1255992539ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNExqPsMOBpQSCrdnKlo_-ElezHpNwJapan in desperate effort to halt its own downward economic spiral/a font size=-1 color=#6f6f6fnobrTelegraph.co.uk/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.thehindubusinessline.com/blnus/10101205.htmcid=1255992539ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNGxkx4lADP376Z0QuuGRw28R7RZ_wJapanese binsurance/b co Yamoto collapses; files for bankruptcy/a font size=-1 color=#6f6f6fnobrHindu Business Line/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ft.com/cms/s/179be274-96f3-11dd-8cc4-000077b07658.htmlcid=1255992539ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNHEi4QOLudCqq9h84wzPLBS85UVcQnobrFinancial Times/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.yomiuri.co.jp/dy/business/20081011TDY01302.htmcid=1255992539ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNF4ntrW4W77c7Otl811O828DJOMlAnobrThe Daily Yomiuri/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255992539hl=ennobrall 410 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.insidebayarea.com/timesstar/localnews/ci_10705314cid=1257025458ei=wNjySKL5DabU6gOE3pnaAwusg=AFQjCNE0F_HPo2P3r95LklruLovXR4-eUAUnemployment binsurance/b fund headed for insolvency/abrfont size=-1font color=#6f6f6fAlameda Times-Star,nbsp;CAnbsp;-/font nobr5 hours ago/nobr/fontbrfont size=-1The Assembly bInsurance/b Committee and the Assembly Budget Subcommittee on State Administration held a joint hearing today to examine why we#39;re in this fix b.../b/font/div/font/td/tr/table
insurance - Google News

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