Buying Health Insurance Through HealthTrust Financial
This page will provide answers for most all of your questions. Should you need additional assistance, please call one of our live customer service representatives at 888-682-7316 during normal business hours.
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What Kind of Services Do You Provide?
HealthTrust Financial is a licensed health insurance agency and the leading online source for individuals, families and small businesses purchasing health insurance. We offer a broad selection of health insurance plans from many of the nation's leading health insurance companies, and deliver a customer experience that can't be beat. Thanks to our innovative website, simple online tools, and the knowledgeable representatives and licensed health insurance agents that staff our customer care center, you'll discover that health insurance can be attainable and affordable.
Our website empowers individuals, families and small businesses by offering convenient access to affordable insurance plans and information to make the right choice in purchasing health insurance. After providing your zip code and some basic information about yourself, your family or your business, you'll receive free quotes, compare plans side by side, and apply for coverage online. Whenever you have a question or need personal assistance, you can contact one of our licensed health insurance agents for the answers and unbiased advice you need to make the most of your insurance dollars.
Once you've submitted your application for coverage, we'll work with the health insurance company you've selected to expedite the approval process. Even after you purchase a health insurance plan, we'll continue to address your questions and concerns, to serve as your advocate with the health insurance company, and to help you with all your future health insurance needs. At HealthTrust Financial you've found your health insurance solution.
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What Kind of Products Do You Offer?
We offer a broad selection of health insurance products and options to choose from:
• Individual and Family Health Insurance. Singles and families should take a look at our individual and family health insurance plans. If you don't get your health insurance coverage through an employer, an individual and family health insurance plan is your standard, private market option.• Small Business Health Insurance. We offer group health insurance plans for small businesses and organizations (2-50 employees).• Short-Term Health Insurance. If you're in need of temporary coverage, you'll want to take a look at our short-term health insurance plans. Obtaining short-term coverage is quick and easy and though it's not a long-term solution, short-term coverage can protect you while you're between jobs or after you graduate from college.• Student Health Insurance. Full-time college students and their parents will want to explore our student health plan options for valuable protection and savings.• Dental Insurance. We provide dental insurance options priced to fit most budgets.• Dental Discount Cards. As an alternative to standard dental coverage, we offer Dental Discount Cards. Though not an insurance plan, these cards can provide you with deep discounts from local dentists on many dental procedures.• Health Savings Accounts. At HealthTrust Financial you'll also find Health Savings Accounts (HSAs) and HSA-eligible health insurance plans. Our website is one of the premier sources for HSA information and products online. -
Will Using Your Service Cost Me Anything?
All the services offered by HealthTrust Financial are provided at no extra cost to you, the consumer. If you buy a health insurance plan through HealthTrust Financial, you'll pay the regular monthly premium to the health insurance company you chose, but you'll pay nothing to us. Our fees are paid by the insurance companies in the form of commissions, which are built into the premium amount.
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How Do You Protect My Private Information?
All the services offered by HealthTrust Financial are provided at no extra cost to you, the consumer. If you buy a health insurance plan through HealthTrust Financial, you'll pay the regular monthly premium to the health insurance company you chose, but you'll pay nothing to us. Our fees are paid by the insurance companies in the form of commissions, which are built into the premium amount.
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Do You Offer Health Insurance In My State?
HealthTrust Financial is licensed in all 50 states and the District of Columbia. If you live in the United States, chances are that we can help you find the right health insurance plan. Though we don't currently offer every health insurance product in every state, we presently offer insurance plans to a vast majority of the U.S. population and we're always working to expand our offerings.
To see if we offer plans in our area, simply select the product you are interested in from our home page, and then provide us with your zip and some other basic information.
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Why should I shop with you rather than buying an insurance plan elsewhere?
By combining the localized knowledge of a neighborhood agent with the broad experience and comprehensive understanding of a leading online health insurance source, we are able to offer our customers:
• Broad Selection. Because we are a health insurance agency and not a health insurance company, we can offer plans from multiple insurance companies in your area. We offer a broad selection of health insurance companies and plans, which allows you find the plan that best fits your needs. In fact, HealthTrust Financial is the leading online source of health insurance for individuals, families and small businesses.• Best Prices. Health insurance rates are filed with and regulated by your state's Department of Insurance. Whether you buy from HealthTrust Financial, your local agent, or directly from the health insurance company, you'll pay the same monthly premium for the same plan.• Fast Processing. HealthTrust Financial offers the fastest way to apply for health insurance because many of the plans offered on our website can be submitted and signed electronically, eliminating the need to manually print and mail applications. This reduces average processing time significantly.• Excellent Customer Care. We believe that you'll enjoy the best customer experience available in the health insurance industry. The licensed health insurance agents and knowledgeable representatives that staff our customer care center will help you make the most of your money with professional, unbiased advice. -
Do You Offer The Best Prices?
Health insurance premiums are filed with and regulated by your state's Department of Insurance. Whether you buy from HealthTrust Financial, your local agent, or directly from the health insurance company, you'll pay the same monthly premium for the same plan. This means that you can enjoy the advantages and convenience of shopping and purchasing your health insurance plan through HealthTrust Financial and rest assured that you're getting the best available price.
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How can I view quotes and shop online through your website?
Shopping with us is simple. After entering your zip code and some basic information about yourself, your family or your business, you'll be provided with a list of health insurance plans available in your area. You may refine these results or sort and organize them in various ways. You'll also have the opportunity to select several of them at a time to make more detailed plan comparisons. Once you've selected a plan, you'll fill out an application, providing more information about yourself, your family or your employees, and about your health history. Once your application is complete, HealthTrust Financial will work with the health insurance company to help you receive a quick coverage determination.
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If I apply for an insurance plan am I obligated to purchase?
No. You are under no obligation to buy a health insurance plan when using our site. After submitting your application you may cancel it at any time during the underwriting process. When you submit an application you will typically include your credit card number, bank account information, or a check for the initial premium payment. Most insurance companies will not charge your card, debit your account, or deposit your check until you are approved. If you are charged or your check is cashed and you are denied for coverage or cancel your application prior to approval, the insurance company will issue a refund to you.
A few insurance companies may charge an application fee. You will be notified in the application if the plan you chose requires an application fee. Please note that these fees are non-refundable.
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Can I Contact Someone If I Need Help?
Yes. We believe in providing you with top-quality customer service. Our customer care center is staffed with licensed health insurance agents and knowledgeable representatives, ready to assist you.
INDIVIDUALS AND FAMILIES:
Call Us
Our licensed insurance agents and knowledgeable representatives are ready to help you. Just call 888-682-7316 Mon - Fri, 9AM-4PM CST.Email Us
Click here to send us an email. One of our knowledgeable customer care representatives will reply to you soon. Please note that our licensed health insurance agents can discuss insurance plan benefits and rates only by phone.Chat Online with Us
Click here for a real-time, online chat session with one of our knowledgeable customer care representatives. Our chat option is available 24 hours a day, 7 days a week, excluding holidays. Please note that insurance plan benefits and rates can be discussed only by phone with one of our licensed health insurance agents.SMALL BUSINESSES:
Call Us
Our licensed insurance agents and knowledgeable representatives are ready to help you. Just call 888-682-7316 Mon - Fri, 9AM-4PM CST.Email Us
Click here to send us an email. One of our knowledgeable customer care representatives will reply to you soon. Please note that our licensed health insurance agents can discuss insurance plan benefits and rates only by phone.
