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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
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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.
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.
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.
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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 |
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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.
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Alabama
Health Insurance
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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
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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.
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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.
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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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