HealthMarkets Insurance Review & Ratings (2023)

HealthMarkets Insurance is a comprehensive insurance provider with over 35 years of experience in the industry. They offer a range of products and services that cater to individuals and businesses alike, including health, life, Medicare, and supplemental insurance.

Their mission is to provide affordable and accessible insurance options to everyone, and they operate in all 50 states of the US. Customers can benefit from various discounts, including group and loyalty discounts, and overall, HealthMarkets Insurance has received positive reviews from its customers.

Interesting Attributes:

• Offers a wide range of insurance products and services
• Provides personalized assistance in finding the right insurance options
• Has over 3,000 licensed insurance agents across the US

HealthMarkets Insurance is a prominent insurance provider that offers a range of insurance products and services for individuals and businesses alike. With over 35 years of experience in the industry, HealthMarkets Insurance has established itself as a reliable and trustworthy provider that is committed to providing affordable and accessible insurance options to everyone.

Their services include health, life, Medicare, and supplemental insurance, among others. In this review, we will provide a comprehensive overview of HealthMarkets Insurance, including their history and mission, the products and services they offer, the cost of those services, the states where they operate, discounts available to customers, and customer reviews of the company.

HealthMarkets Insurance History and Mission

HealthMarkets Insurance was founded in 1984 in Dallas, Texas, as a small insurance agency. Over the years, the company has grown to become one of the largest insurance marketplaces in the US, with over 3,000 licensed insurance agents across the country.

The mission of HealthMarkets Insurance is to provide affordable and accessible insurance options to everyone, regardless of income, age, or health status. They believe that insurance should be simple, convenient, and personalized, and they work tirelessly to ensure that their customers get the best possible insurance solutions that meet their unique needs.

HealthMarkets Insurance understands that navigating the insurance industry can be overwhelming, and they aim to simplify the process for their customers. They are committed to helping their customers find the right insurance options that fit their budget and lifestyle.

Additionally, they provide personalized assistance to help customers understand their options and make informed decisions about their insurance.

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Coverage Available From HealthMarkets Insurance

HealthMarkets Insurance offers a wide range of insurance products and services that are designed to meet the diverse needs of their customers. Here are some of the main products and services that HealthMarkets Insurance offers:

• Health insurance: HealthMarkets Insurance offers a variety of health insurance plans, including individual and family plans, Medicare, and short-term health insurance. They partner with major insurance companies like UnitedHealthcare, Aetna, Cigna, and many more to provide a wide range of options.
• Life insurance: HealthMarkets Insurance offers a variety of life insurance options, including term life, whole life, and universal life insurance. They partner with some of the nation’s top life insurance carriers to provide competitive rates and comprehensive coverage.
• Supplemental insurance: HealthMarkets Insurance offers supplemental insurance products, such as dental, vision, accident, and critical illness insurance. These products can provide additional coverage to help offset the costs of unexpected medical expenses.
• Small business insurance: HealthMarkets Insurance also offers insurance solutions for small businesses, including group health insurance, group dental insurance, and group vision insurance. They work with a variety of carriers to help small businesses find affordable and comprehensive insurance options.

HealthMarkets Insurance Cost

The cost of HealthMarkets Insurance products and services varies based on a number of factors, including the type of coverage selected, the individual’s health and age, and the state in which the individual resides. Here are some general guidelines for what you can expect to pay for HealthMarkets Insurance:

• Health insurance: The cost of HealthMarkets Insurance’s health insurance plans will vary based on the level of coverage selected, the individual’s age and health status, and the state in which they reside. However, according to HealthMarkets Insurance’s website, their health insurance plans start at around $30 per month, while family plans start at around $85 per month.
• Life insurance: The cost of HealthMarkets Insurance’s life insurance policies will vary based on the type of policy selected, the individual’s age and health status, and the amount of coverage desired. However, according to HealthMarkets Insurance’s website, their term life insurance policies start at around $14 per month.
• Supplemental insurance: The cost of HealthMarkets Insurance’s supplemental insurance products will vary based on the type of coverage selected, the individual’s age and health status, and the state in which they reside. However, according to HealthMarkets Insurance’s website, their accident insurance policies start at around $20 per month, while their critical illness insurance policies start at around $16 per month.
• Small business insurance: The cost of HealthMarkets Insurance’s small business insurance will vary based on the type of coverage selected, the number of employees covered, and the state in which the business is located. However, according to HealthMarkets Insurance’s website, their group health insurance plans start at around $240 per month.

Discounts Offered by HealthMarkets Insurance

HealthMarkets Insurance offers a range of discounts and incentives to help customers save money on their insurance products and services. Here are some of the main discounts available to HealthMarkets Insurance customers:

• Bundling discount: HealthMarkets Insurance offers a bundling discount to customers who purchase more than one insurance product from them. For example, customers who purchase both health insurance and life insurance from HealthMarkets Insurance may be eligible for a discount on their premiums.
• Healthy living discount: HealthMarkets Insurance offers a healthy living discount to customers who can demonstrate that they lead a healthy lifestyle. This may include regular exercise, a healthy diet, and no smoking. Customers who meet the criteria for this discount may be able to save money on their health insurance premiums.
• Safe driving discount: HealthMarkets Insurance offers a safe driving discount to customers who have a good driving record. This discount is available for customers who purchase car insurance through HealthMarkets Insurance, and it may be based on factors like a clean driving record, completing a defensive driving course, and driving a car with safety features like airbags and anti-lock brakes.
• Group discount: HealthMarkets Insurance offers a group discount to customers who purchase insurance products in a group. This discount is available for small business owners who purchase group health insurance, group dental insurance, or group vision insurance through HealthMarkets Insurance.

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States Where HealthMarkets Insurance is Available

HealthMarkets Insurance offers insurance products and services in all 50 states, including the District of Columbia. This means that customers across the United States can access HealthMarkets Insurance’s range of health insurance, life insurance, supplemental insurance, and small business insurance products.

Each state has its own insurance regulations and requirements, and this can impact the types of products and services available, as well as the cost of those products and services.

Here are the six steps to find out which states HealthMarkets Insurance is available in:

1. Start by visiting the HealthMarkets Insurance website.
2. On the HealthMarkets Insurance homepage, you will see a search box that prompts you to enter your ZIP code. Type in your ZIP code and click “Find Coverage” to proceed.
3. Next, you will be taken to a page that allows you to choose the type of insurance you are interested in. You can select from options like health insurance, life insurance, small business insurance, and more.
4. Depending on the insurance type you selected, you may be asked to answer a few questions about your specific needs and preferences. For example, if you are looking for health insurance, you may be asked about your age, income, and health status.
5. Once you have answered any necessary questions, you will be taken to a page that displays the available plans in your area. You can filter your search results by features like provider network, monthly premium, and deductible to find the plan that best meets your needs.
6. As you browse the available plans, you will see information about the states in which each plan is available. This can help you determine which insurance products and services are available in your state.

HealthMarkets Insurance Customer Reviews

Customer reviews can be an important factor to consider when evaluating an insurance provider. Here’s an overview of what HealthMarkets Insurance customers have to say about the company:

Strengths:

• Good customer service: Many customers report positive experiences with HealthMarkets Insurance customer service. They appreciate the quick response time and helpfulness of agents.
• Comprehensive product offerings: Customers appreciate the wide range of insurance products available from HealthMarkets Insurance. From health insurance to dental insurance to life insurance, HealthMarkets Insurance has a variety of products to meet diverse needs.
• Easy to use online platform: Customers have reported that the HealthMarkets Insurance website is easy to use and provides a simple way to search and compare insurance plans.

Weaknesses:

• Mixed reviews on pricing: Some customers have reported that the cost of HealthMarkets Insurance products is higher than competitors. However, others have noted that the coverage is comprehensive and the value is worth the price.
• Difficulty with claims processing: A few customers have reported difficulty with the claims process. This is a common complaint with many insurance providers, but it’s worth noting that some HealthMarkets Insurance customers have reported issues in this area.

Roundup: HealthMarkets Insurance

HealthMarkets Insurance is a national insurance brokerage that offers a wide range of insurance products and services, including health, life, dental, and small business insurance.

The company has been in operation for more than 30 years and has a mission to make insurance more accessible and affordable for all. HealthMarkets Insurance is available in all 50 states, and customers can use the company’s user-friendly website to search for and compare insurance plans.

While there are some criticisms of the company’s pricing and claims processing, customers generally appreciate the comprehensive product offerings and good customer service.

Overall, HealthMarkets Insurance is a reputable insurance provider that is worth considering for those in need of insurance coverage.