Through a Benefit Advisor...
Most people buy health insurance through agents or other financial advisors. Determining what kind of insurance to buy is one of the most important financial decisions you will ever make, and it is also one of the most complicated. A qualified Benefit Advisor will conduct a comprehensive financial needs analysis and will ask you multiple questions to determine what kind of insurance is right for you. Of course, the quality of advice you get is dependant on how good your advisor is. You will obviously want to work with someone who has the right licensing, training and experience. However, do not underestimate the importance of finding someone who is a good listener. A good advisor will take the time to understand your objectives, help you construct a financial game plan, and then work with you to find the right insurance products for your specific situation. Call (800)968-6921 to find the right advisor - not just another BROKER.

Via the Internet...
Like most things today, health insurance can be purchased online. You can get instant quotes, apply for, and even purchase policies. To make sure you get the right type of insurance, most websites will typically try to direct you to an agent who can provide you with personalized service, even though the websites may also offer the option of buying online. Keep in mind, most websites cannot offer you customer service. In addition, if you buy online, the decision regarding which policy is best for your situation is solely in your hands. If you are about to buy a policy but you are not sure that you are making the right decision, it is never a bad idea to consult a benefit advisor in your community. He or she can assess the information you have gathered and may even be able to offer you the same types of policies at competitive prices. If not, you can always return to the internet to complete your purchase and you will have the peace of mind of knowing that you are buying the right product for your specific needs.

Over the Phone or By Mail...
An internet purchase of health insurance is one form of direct buying, but certainly not the only one. There are a number of companies that advertise and market exclusively via toll-free numbers and/or direct mail solicitations. If you have a good sense of what type of coverage you need, you may be able to get the coverage you need by buying directly. However, you must be aware of the possible limitations of buying direct. Most direct sellers only offer limited benefit plans at a low cost, and you generally will not have the benefit of advice from a qualified health insurance professional.