Getting Indiana health insurance quotes is as easy as going to Acceptable Answers to Insurance. There, you can get a free quote in just a few minutes. The great thing about it is that at AAI, you can have the agents compare the policies for you, saving you a lot of time and frustration.
AAI is an independent insurance agency. That means that they work with several of the best insurance companies in the country to provide their clients with top-notch coverage.
An independent insurance agent makes it his business to know each of the companies with whom he does business. Once he talks to you, his potential customer, he has an idea of your insurance needs, and he can look at the different policies at his disposal to find one that works best for you.
When you go with a captive agent, you don’t get to comparison shop. A captive broker works for one company, so when you say you need coverage, his options are limited. He has to write you a policy from the ones supplied by the one insurance company.
While a captive agent may have some negotiation powers with the insurance company for which he works, he doesn’t have nearly as much leverage as the independent agent. This is because the insurance company knows that the independent agent can go with another insurance policy, if they aren’t willing to work with the agent. This is a great way to save money. After all, comparison shopping works with cars and houses, so why shouldn’t you be able to do it for insurance, too?
Whether you go with an independent agent or a captive agent, you have many choices for your health insurance. For instance, if you select an HMO for your coverage, you’ll find you are charged much less for medical care because all of your treatment is within the network of providers. These providers give a great discount to the insurance company, which is passed on to you. That’s why, when you receive a “this is not a bill” statement from your insurance company, you’ll see different amounts. There is a column for the doctor’s fee, then another column for “adjustment.” That’s the amount that is subtracted from the medical service you received. The balance will be the responsibility of either you or the insurance company.
When does your insurance company start paying that balance? That depends on other characteristics of your policy. If you have low copay and deductible, the insurance company will start paying their share of your medical expenses earlier than if you has a high deductible. The reason the deductible may go up is to keep your insurance policy more affordable. A high deductible will result in low premiums. This is great if you are never sick, but if you have someone at home who has a chronic illness, or if you have little children, you need a more affordable policy. This may mean that you pay a little more for your insurance, but less for medical care. Your Indiana health insurance quotes will explain all of this.
Our friendly insurance agents are here for you and are eager to help you find the best plan for you. Visit our website or call us toll free at (888) 355-7129.
