alabama health insurance

Alabama Health Insurance

1-800-272-0512
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Individual & Family Alabama Health Insurance
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Alabama Dental Insurance
Alabama Group Health Insurance

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Alabama health insurance is our specialty. As one of the largest online Alabama health insurance agencies you are guaranteed the lowest premiums possible .

You can now get Guaranteed Issue Health Insurance. If you have a medical issue or have been declined for health insurance, click here.

Alabama Maternity Insurance - You can get full or limited maternity coverage with a variety of affordable plans. You have an option of obtaining a major medical PPO plan with maternity coverage. Or, we have limited benefit plans that will cover maternity expenses with no waiting period. Alabama Maternity Coverage - Click Here

Alabama health insurance

Alabama Health Insurance Premiums Make Me Angry!

I am a broker and represent a lot of different health insurance companies that sell health insurance in Alabama. I am constantly amazed at how high the rates have gone. It doesn't seem to matter where in the state you live.

Most of the people I talk to are as angry as I am about it. I can't bring the rates down, but this site will give you some tips on finding the best low cost Alabama health insurance plans.

The most important to remember is that you should not overinsure yourself. If a $1000 deductible plan costs you $325 a month and a $2000 deductible cost $250, take the higher deductible. You will probably never meet either deductible and there is no point in giving the insurance company $900 a year to save $1000. The money is better in your pocket than theirs.

I can quote from a number of different insurance carriers. Until recently I was not thrilled over the carriers and plans I had to work with. For some reason, which I will leave to your imagination, a lot of insurance companies were afraid to sell health insurance in Alabama.

I finally have a company with a national reputation and an excellent network. There pricing was considerably less than anyone else I have used before. I invite you to get your own quotes. You can even apply directly online. They make the whole process very simple. They have HSA, high deductible plans and plans with doctor and prescription copays. To get the quote, simply click on the red button below.

INSTANT Health Quote 

If you like we would be happy to give you a quote on the phone and help you select a plan.

We also have the new Health Savings Account plans (HSA). If you want the government to help you pay for your health insurance, take a look at these plans on our Alabama HSA plan page.

Thanks,
Martin Unger
800-272-0512


We have Alabama dental plans with coverage in every part of the state. There are individual and family dental plans for all budgets. If you would like to see if your dentist is in the network or to look up the plans in your area, just enter your zip code.

Sign Up Now and receive an additional 3 Months of Coverage FREE! Sign Up Now and receive an additional 3 Months of Coverage FREE!
Sign Up Now and receive an additional 3 Months of Coverage FREE!
Sign Up Now and receive an additional 3 Months of Coverage FREE!

We also have a dedicated dental insurance site that has more information about dental insurance than you would ever wanted to know. It includes real dental insurance plans. Go to our dentalplan advisor site by clicking here.

Alabama Health Savings Accounts (HSA Plans)

The new Health Savings Accounts (HSA) combine a higher deductible PPO plan with tax-advantaged savings account. This is a winning combination that will lower your health insurance costs.

The government is helping you pay for your medical expenses with huge tax write-offs. Plus you get to use pre-tax money for all of your medical expenses.

The consumer advocates are singing its praises. It is not the answer for everyone but it might be perfect for you. Call me and I will explain how it works or go to our Alabama HSA Plans page for more information.

HSA plans

Guaranteed Issue Alabama Health Insurance - No Medical Declines

You can now obtain guaranteed issue health insurance. These plans provide real major medical coverage for individuals who have medical problems that prevent them from obtaining health insurance.

These are not discount plans. This is real health insurance.

For details on this plan, click here.

Get Alabama Health Insurance Fast - Same Day Coverage

If you need to have medical insurance in place in 24 hours or less, we can do it. These are complete temporary major medical plans. You can hold them for up to 6 months or just a few days. Call us and we will give you an instant quote and enable you to have immediate coverage. Call 800-272-0512 Mon - Fri 9AM to 8 PM or Click Here
alabama temporary health insurance

The local agent who insures your truck or home is not a health insurance expert - I am. If you want to save money and get a first rate PPO plan, give me a call or fill out an Alabama health insurance request quote form.

Alabama medical insurance Alabama Health Insurance

These quick tips are not a substitute for talking to me personally, but you should find
them very helpful.
1. You can shop until you are blue in the face and have every screwball in the country calling you about insurance. The fact is that all agents who sell the same Alabama health insurance plan must sell it for the same price. It's not a flea market. So, John Smith in the Mobile will offer the same plan for the same premium as Mary Jones in Selma.
2. Too many of you buy an Alabama health insurance plan and really do not understand the coverage. I can't tell you how many times I ask people what their deductible or coinsurance is and they don't have any idea. There should not be any surprises when it comes to your coverage. If you are not sure about a plan we sell you, call me up and I will explain it.

3.
I know you used to have great insurance. You went to the doctor in a limousine, got a massage and facial and then paid two dollars for a heart transplant. I don't have any of those plans to offer. Having a low-cost, basic plan with a high deductible won't kill you. Having no health insurance at all might. Do not try and duplicate your group health insurance plan. It is not practical to do so
.
4. Alabama health insurance plans usually do not cover you adequately outside of the United States. If you are traveling abroad, get travel insurance.

5. Alabama health insurance plans are not guaranteed issue (unless they are group plans). If you have preexisting conditions, the condition might not be covered. Make sure you discuss these concerns with your agent. If an agent ever hints that you should conceal something, get rid of the agent pronto. In the long run you will screw yourself out of coverage when you need it the most. In most states, lying on a health insurance application is a felony. If you have an insurability problem please call us. We might be able to help you find coverage.

By the way, there are no laws that will force an Alabama health insurance company to cover your preexisting conditions. I don't care what your neighbor, friend or brother-in-law told you.


6. We do not sell HMOs.

7. If you have a PPO plan you are entitled to the discounted PPO rate for services. So a doctor visit might still only cost $35 or $40 instead of $75, and a lab fee $15 instead of $60. Be sure to ask me about PPO discounts. It can save you a bundle. (This is one of the most important pieces of information I can offer you. If you are not sure what I am referring to - ask me about it.)

8. High deductible Alabama health insurance plans are often the best value. There is no point in spending $2000 a year more in premiums to lower your deductible $1500. Once you understand how much extra you must pay for prescription coverage, doctor copay features and a lower deductible you will be able to figure out which plan is the best buy. I will lay it all out for you so you can make an informed decision.

9. There are three things in life you can count on - death, taxes and health insurance premium increases every year. It doesn't matter what company you use. Although, some are a lot worse than others.

If you get an increase that is too high, it is time to call me. I will either tell you to stay where you are or I will move you to a less expensive plan. That is why you use a broker and not a captive agent with only one company to offer. All starts to make sense doesn't it?


10. If you went online and filled out a bunch of forms for quotes you have already made a mistake. Most of the people you will contact on the Internet will not be direct agents like myself. They will be national marketing companies that will sell your name and phone number or e-mail addresses to the highest bidder for insurance leads or anything else they can. You never know where or with whom your confidential information will wind up. Fill out my request form or call me before that happens to you. We are very security conscious and are licensed agents. The only one who will annoy you - is me.


prescription plans

 

 

Prescription Plans

If you want a copay prescription plan that will cover your expensive prescriptions you are going to be very unhappy. There is no such plan.

If you take less expensive medications, we have a co-pay plan that might work for you. This plan offers thousands of different prescriptions for a co-pay of $10, $20 or $40. It also offers the lowest prices possible at local pharmacies. Please check the site to look up your prescription and get more information.
Co-pay Prescription Plan Click Here

If you are on Medicare and are a diabetic, you might be able to get your testing supplies for free. For diabetic supplies go to our diabetic testing supply web site by clicking here.

Alabama Health Insurance - A Final Word

Alabama health insurance is a very important part of our business. We spend a lot of time comparing health plans. With the addition of the Golden Rule/United HealthCare plan we now offer what we think is the best plan out there. For self service quotes, just click here.

ALQUOTE.COM
Martin Unger - President
1-800-272-0512

We now offer Texas health insurance plans as well. For Texas Health Insurance information - click here.

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