HealthMarkets Health Insurance Review

HealthMarkets - OVERVIEW

The HealthMarkets website, operated by the HealthMarkets Insurance Agency, provides multiple healthcare solutions through its marketplace research system. The company can search from thousands of plans offered by hundreds of insurance companies in order to find the ideal one for each customer's healthcare needs. Potential customers are first asked for their zip code, they must provide their location, date of birth, and tobacco usage. Once done, the company can start issuing premium quotes from local and national carriers immediately. In addition to individual health insurance plans, HealthMarkets also offers:

• Family Health Plans
• Dental and Vision Insurance
• Life Insurance
• Supplemental Health Insurance
• Medicare, Medicare Advantage, and Supplemental Medicare
• Small Business Plans

Some of the Things Included with Plans Provided Through HealthMarkets

Primary Care Visits
Diagnostic Tests
Hospital Stays
Generic and Specialty Drugs
Urgent Care
Rehabilitation
Mental Health Services
Substance Abuse Services

Types of Plans

HealthMarkets can connect you to insurers in the marketplace that offer all four levels of individual health plans. These "metal" plans, as they are known, can be Bronze, Silver, Gold, or Platinum. Each tier is based on the percentage that a plan will pay out of the average overall cost of providing essential health benefits to its members. On average, customers can expect the plans from each tier to spend a percentage of 60% (Bronze), 70% (Silver), 80% (Gold), and 90% (Platinum). The lower your plan tier, the higher your out-of-pocket costs will be–and the lower your premiums. Some of the coverages included in these plans are:

The four tiers of plans in the marketplace offer varying degrees of cost, in addition to differences in what they cover.

Application

In order to receive a free quote, users must first provide two basic sets of information. First, they must enter their zip code and age, followed by answering yes or no to using tobacco in the last six months and being a parent. If the applicant has a spouse or dependants, they must also include their age and whether they have used tobacco in the last six months. Then they must disclose how many members live in their household and may include the household income to see if they qualify for a Federal subsidy. Lastly, applicants must submit both names plus a valid phone number and email address. 

Once your information is submitted and your quotes are available, applicants are free to filter their search by company, coverage level, plan type, per individual deductible, max out-of-pocket, and copay. They can also sort results by coverage level, monthly premium, per individual deductible, or max out-of-pocket. Applicants can view a short overview of each plan by clicking to see their details and, once they have made a decision, may call a HealthPocket representative to enroll.

Health Insurance with HealthMarkets

With customer service around the clock, instant quotes, and a massive selection of insurance plans, HealthMarkets is an excellent choice for anyone looking for health insurance. A variety of resources is also very helpful in educating consumers so they can make the best choice regarding their healthcare. Additionally, as evidenced by the company's positive consumer feedback and reputation–it has an A+ with the BBB and is accredited with them, as well as an excellent 9.3 Trustpilot score–, customers of healthcare plans through HealthMarkets are overall largely satisfied and happy with their insurance purchases.