HealthCare.com Health Insurance Review

HealthCare.com - OVERVIEW

HealthCare.com is an online health insurance marketplace focused on providing alternatives for individual and family health insurance. It's selection of insurance plans numbers at over 4,000 and also includes Obamacare, Short Term, Small Business, Medicare, and Medicare Supplement plans. Through the company's comparison tool and personalized recommendations, HealthCare.com can point consumers in the right direction based on their individual needs and preferences–as well as their budget. And thanks to the website's comprehensive search tool, it's easy to find the ideal plan for each customer.

In addition to its large selection of health care plans, HealthCare.com also features a wide array of resources so potential healthcare customers can make an informed decision regarding their purchase. Detailed insurance explanations, product guides, articles, and FAQs all help HealthCare.com empower healthcare consumers. Expert advice, interactive tools, calculators, videos, and infographics further aid consumers and direct them to make a sound final decision

Some of the Things Included with Plans Provided Through HealthCare.com

All four "metal" categories of Obamacare plans offered through HealthCare.com partners provide the same ten essential health benefits (EHBs) as established by the Affordable Care Act. These ten medical services are as following:

Emergency services
Rehabilitative or habilitative services and devices
Prescription drugs
Outpatient care
Hospitalization
Maternity and newborn care
Chronic disease management, preventative care, and wellness services
Laboratory services
Pediatric services
Mental health and substance disorder use

There is no cap on coverage for these essential health benefits. They also have no annual or lifetime limits.

Types of Plans

The four "metal" plans are essentially identical, offering the amount and kinds of coverage. Where they do differ is in value; each type of plan will pay for a different percentage of your healthcare costs. So while Bronze plans may have lower premiums, they will only cover 60% of your healthcare–the rest will have to come out of your pocket. On the other end of the spectrum you have Platinum plans, whose premiums are considerably more expensive, but cover a whopping 90% of your total healthcare expenses.

Application

After inputing a zip code, applicants are asked to enter their date of birth, along with any spouse and dependent's date of birth. Furthermore, HealthCare.com asks for each individual's gender and tobacco use. To explore all the options an applicant can qualify for, they are then asked to indicate which "qualifying events" they have experienced in the last 60 days. These events include losing their job, getting married or divorced, moving to a new state, and others. If applicants have not faced any qualifying events, HealthCare.com recommends getting short-term health insurance. Lastly, applicants must enter their annual household income. FAQs at the bottom of each field help guide consumers throughout every step of the application process.

Once the preliminary application process is over, applicants are asked for one last set of information if they wish to see the most accurate pricing and plan details. This includes their full name, street address, email address, and phone number. When looking at their results, potential customers may filter healthcare plans by insurance carrier, monthly cost, deductible, and max out-of-pocket. They may also select plans to compare them side-by-side. 

After choosing an insurance carrier, customers are redirected to one of HealthCare.com's partners where they can finish the enrollment process. Overall, HealthCare.com is extremely helpful throughout the whole application process.

Health Insurance with HealthCare.com

HealthCare.com's step-by-step process and guided search & comparison tools make it one of the most user-friendly health insurance marketplaces online. And thanks to licensed agents who can offer enrollment help and expert advice, applicants are sure to find the healthcare alternatives they are looking for. Moreover, a wide array of resources and tools ensure that customers never feel as if they are making an uninformed decision.