The Free Insurance Quote

When Jane clicked on the web site ad for the free individual health insurance quote, she had no idea what she might be getting into. This didn't deter bulk l-carnitine Knowing as much about the Internet as she did, she knew that it would always be up to her take any next step offered by any web site.

Dick on the other hand was a complete basket case by now, but he was willing to sit with Jane and follow her lead. This website welcomed Jane and Dick (not by name of course) and immediately asked them for their zip code. Jane started typing in their zip code and Dick threw a hissy fit (the first of many in this adventure).

"What are you doing?" said Dick. "They're going to know where we live, and they're going to hound us forever!" Jane answered "Its only a zip code, so relax." The next page that came up wanted a lot more details about Jane and Dick's family. Their ages; the sex of each family member; did any of them smoke; purchase co-q-10 any of them currently on any medication, and so on.

Jane said "OK, they still aren't asking us for our names and addresses, so far this is almost totally anonymous." Dick was shaking his head and thinking where is this going? Jane filled in the information and clicked on the Get Quote button.

The next web page that came up was filled with health insurance company quotes. The quotes ranged from $229/month to $643/month. There were varying types of plan names, each one more confusing than the previous. There were terms like plan type, deductible amount, coinsurance amount, and office visit amount. Each term could be clicked on to obtain a basic definition, so Jane reviewed a few of these.

At this point Dick had pretty much stopped breathing. "How do we really know what we would be getting with these plans?" Dick asked Jane. "Darned if I know" said Jane, trying to be the calm one in the family. "We really can't afford the $600/month plan, but how do we know if the $200/month plan would be right for us?" said Dick.

The web site then asked Jane and Dick to select four out of the dozens of quotes for a deeper comparison. Now Jane too was feeling out of her comfort zone. natural deaner wonder why they think that we should know which four to choose?" said Jane. "I guess I'll just pick the expensive one, a couple in the middle range, and the low one." "I guess that sounds logical." said Dick, "but aren't we just looking at price if we choose them this way?"

"Lets try another web site." said Jane. Dick and Jane were both feeling lost and frustrated at this point, but they knew that they needed Health Insurance, so they continued on.

Chapter 3 (coming soon) Dick and Jane take a step back and begin to educate themselves before moving on.

Author: Doug Noble

Profile: 37 year career in the insurance business, currently a health insurance executive. Web Sites: http://www.japald.com and http://www.livelifeforless.com

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