HealthCare.com describes themselves as “the leading unbiased search, comparison and recommendation tool” for people who are trying to find a new health insurance plan that meets all their needs.
How Does It Work?
First and foremost, HealthCare.com wants people to understand exactly what they are not. They are not the government run and operated healthcare website.
They are also not a sales and marketing website run by private insurance companies with the intention of pushing people toward policies offered by specific companies.
Instead, this website was launched in 2014 with the belief that technology could help customers with a way to make better decisions about their healthcare plan. Their goal is to “help consumers find the coverage best suited to their health needs while improving their healthcare literacy.”
To use this website, visitors simply need to be willing to answer personal questions. HealthCare.com will begin asking you basic questions about where you live, your age, your gender, and current healthcare needs.
The more information you give them, the more specific their questions will become in order to find a plan that truly meets your needs.
All the plans you will find this website are carrier-approved, and they show plans that fit into all the relevant insurance categories, including Obamacare, Medicare, Short-Term, States, and Other.
Though searching such a wide number of plans would generally be confusing and overwhelming, HealthCare.com promises that their tools will make it easy and understandable.
Cost & Price Plans
This website is completely free to use, likely because they are partnered with all the health insurance companies whose plans they provide for their customers to search and compare.
If a customer chooses to enroll in a specific plan after finding it on this website, the health insurance company themselves might provide them with a commission, or these companies may be monthly fees to keep their policies listed.
Either way, visitors to the website will not need to pay any fees to take full advantage of their services and tools.
Because this company does not charge visitors any money for their information or offerings at this time, they also do not offer any kind of Refund Policy or Terms & Conditions.
Customers who do choose to enroll in an insurance policy that they found on this website but then later wish to cancel this enrollment will need to speak directly with the insurance company to which they paid their premium.
Sometimes these companies will allow their customers to cancel their policy within the first 30 days and receive a refund, but it depends on which company you use.
Customer Service Contact Info
Customers who would like to contact Customer Service with any questions, concerns, or complaints can do so by phone at (877) 626-1943 or by submitting them directly to this website through either the Contact Us link located at the bottom of the web page.
There are not very many reviews available of HealthCare.com at this time, but of the few reviews available, they all seem very negative and very upset with this company.
According to these reviews, it appears that this company does make their money from commissions, because these reviewers all said that once they provided this company with their contact information, they began getting constant sales phone calls from representatives trying to convince them to purchase one of the health insurance policies they have been looking at on their website.
Since this company appears to be a sales motivated company, customers would be better off using the Healthcare.gov website or the individual websites of the health insurance companies themselves.
Competitors and Alternatives?
As mentioned above, customers can choose to use this website or Healthcare.gov to find insurance policies from all companies, or they are welcome to go to the specific companies themselves and search their policies using their search tools.
If you have any experience with HealthCare.com or their services, please leave your reviews below.
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