Is this really true? You will be pleased to know the answer is, "YES!" Why?
Imagine you are running a national business with store fronts in every major town and city. Your capital is buying these premises or paying out rent. You employ staff to meet and greet the potential clients in each store. Now change the picture. You have a single website available to everyone who logs on in the US. Most of the basic functions to collect relevant information are automated. In this model, your staff are only required much later in the process when it's clear there's the real prospect of business to be done. Now you have come down from an operation costing millions to set up and run, and find yourself with a single website with a much more efficient use of only a few expensive people.
If both business models generate the same number of active clients you have a choice. You can either maximize your profits or pass on the cost savings to your clients. In reality, almost all centralized business operations pass on their savings, giving a better service at a lower cost than their competitors. This is why you will now see insurance companies offering low premiums for internet-only policies, i.e. wherever possible, all aspects of the selling, administration, claims handling and termination of policies is done online.
Why are the quotes free?
This site is automated so the operating costs are very small. The intention is to introduce you to a range of cheap health insurance policies offered by leading insurance companies. This is an important service - something you could not easily do yourself. It gives you access to information from multiple insurers in a single shot. To make it attractive to you, the service is offered free.
Why are there so many quotes?
There are hundreds of insurance companies all round the US and most have branches in each state. Then there are different types of policy offered by the companies. So, when you search, you will get a lot of hits. Remember, you do not have to pay a cent no matter how many times you run a search. So search with different types of policy, different levels of deductible, and so on. You can get an amazing amount of information about what's on offer by using this service.
And what's the final benefit?
Through all this information comes more power. When you know the cost of the different policies, you can negotiate the best deal. The longer you depend on people to tell you, the longer you are led around by the nose. Using this site's free search facility lets you compare and contrast all the different offers to find out the real range of what things cost. It gives you more control over your decisions on what to buy.
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