If you're in the market to buy their own health insurance coverage, you will save time and money by shopping and comparing policies right online. Sites dedicated to giving quotes on various types of insurance policy it easy for you to get an idea of what their coverage and prices will be. However, please be forewarned that there are some errors in using an insurance broker as I discovered in the last year.

As self-employed person, I carry my own health and politics life insurance for my family. In making the move from New Jersey to North Carolina in 2004, I knew two things about our health insurance:

1. I should buy a health insurance provider for North Carolina.

2. Rates would be cheaper than in New Jersey, with prices that represent approximately half what had been paying and slightly better coverage.

Several weeks before we moved I contacted a well known internet insurance broker and received quotes. We selected one company and received the documentation from the agency about ten days before our move. Frankly, I wish I had started the process a little earlier, Like all of our free time was devoted to preparing and making the move. So I finished packing my documents with personal things and was only able to fill and submit a week after our arrival in North Carolina.

Dealing with the insurance agent online is easy, but soon discovered they were an extra step at work covering, which only decreased our approval.

Once the documentation was received by the agent, who acknowledged the same via e-mail, and mentioned that they would review our package before forwarding it to health insurance society.

Over the next couple of weeks we have received Messages insurance broker stating the following:

1. We are in the work of reviewing your application.

2. We sent her to society covering of the insurance policy.

3. The society of the insurance policy covering its review and will be in about a week.

4. The insurance company provides delay in reviewing your application due to the large number of applications received.

5. Please do not contact the insurance company directly, we will remain informed about the status of their application. Sure.

Originally, we were assured by the insurance agent that the health insurance company will be considered and approve our coverage within two weeks. The monitoring of phone calls by us to the corridor, along with several exchanges of emails revealed that this would not happen. Furthermore, when we contacted the health insurance policy directly society – in promoting the agent – the health insurance company had difficulty finding our coverage. A few days coverage was found sitting in another department, our contact in the health insurance company blamed brokers for sending information to the wrong address.

As it turned out, the original budget of the insurance policy we have received online was off by just over 20%. Once the health insurance company determined that certain pre-existing conditions needed to be in our rates rose accordingly. Of course, when working with internet agent that we knew that the rate quoted was not "absolute", but the leap was even a pill bitter to swallow.

Our thoughts at this point in the process were:

1. Had we known in advance that our "Final rate" would be so high, would have bought around a little longer.

2. Due to delays and the passage of time was needed to complete the coating process as our coverage with the NJ health provider would have to be canceled, preferably before the end of the year.

In mid December, a total of ten weeks after to present our documents, we received official notification that our coverage is approved and we were covered. Over the last couple of weeks of the long process Application contacted the health insurance company directly several times to learn what the state of our request. At no time during the process we were assured we would receive the approval, in essence, it was said that the coverage will begin pending approval.

In conclusion, we offer the following recommendations for shopping for health insurance:

1. Comparison shop online. Get appointments through online brokers for get a general idea of what their prices will be. If you have pre-existing conditions, prices are not reflected in the budget.

2. Reducing the list of companies quoted to three and then contact them directly. Bypass the broker as it is an unnecessary additional step in what is certainly not a quick approval process.

3. If you need insurance from a particular date, apply well in advance to allow for delays, for misplaced paperwork, changes in its coverage, etc. Our insurance coverage was approved effective a specific date, but we were able to move to another date to coincide with the launch of our supplier health care in New Jersey.

Overall, the experience was painful, and sometimes opened his eyes. I know you see ads all the time for online dating insurance policy. I'm not saying that to avoid the sites, but please believe that what happened before using an online broker exclusively.

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