Finding quality, affordable health insurance can feel like an overwhelming task. Between comparing plans, figuring out which doctors are in-network, and estimating costs, the entire process can be headache-inducing.
But what if you could complete the insurance application process quickly and easily right from your smartphone or tablet?
Technology has made applying for health coverage more streamlined than ever before. In most cases, you can go from browsing plans to completing an application in under an hour, without ever having to print or mail anything.
This guide will walk you through how to find and apply for health insurance using just your mobile device. We’ll cover what information you need to have handy, how to compare different types of plans, and step-by-step instructions for completing the application from start to finish.
By the end, you’ll know how to harness the power of your smartphone or tablet to get covered and gain peace of mind. The days of spending hours on hold or sorting through paperwork are over. With just a few taps on your mobile screen, quality health insurance can now be yours.
How to Apply for Health Insurance Through Smartphone or Tablet?
What You’ll Need Before Starting Your Health Insurance Application?
Applying for health insurance through your mobile device is convenient, but you’ll want to make sure you have key information handy before beginning the application process.
Having these details ready will make enrollment faster and prevent delays.
Here are the essentials to prepare:
Personal Information
- Full legal name – It must match your ID documents exactly.
- Date of birth – Health plans have age-based eligibility and pricing.
- Social Security number – This is needed to verify your identity.
- Citizenship status – Immigration status can affect coverage options.
Household Details
- Home address – Your location helps determine available plans.
- Household size – List all dependents you’ll be covering.
- Income – Income level affects financial assistance eligibility.
Current Insurance Details
- Current insurer – Knowing prior coverage makes coordination easier.
- Policy number – This helps prevent duplicate applications.
- Coverage dates – No gaps in coverage is ideal.
Employer Information
If enrolling through a job:
- Employer name and address
- Personnel or benefits office contact – For plan options help.
- Work status and hours – Full-time employees often get better deals.
Having these details handy will streamline the mobile application process and prevent you from encountering obstacles or delays.
So gather documents, make copies, and ensure everything is accurate before you start. The more prepared you are upfront, the quicker you’ll be approved and insured!
Choosing the Right Health Insurance Plan
Selecting the ideal health insurance plan to fit your needs and budget is key when applying through your smartphone or tablet. With countless options available, narrowing down the choices can be overwhelming without the right guidance.
When browsing plans on your mobile device, here are the most important factors to consider:
Coverage Type
The first decision is whether you want a PPO, HMO, EPO, or other plan type.
- PPO – See any doctor you want but with higher costs.
- HMO – Lower costs but restricted physician network.
- EPO – No out-of-network coverage except for emergencies.
Evaluate your priorities like flexibility vs affordability.
Monthly Premiums
The recurring amount you pay every month for coverage.
- Budget accordingly so premiums fit comfortably.
- Financial assistance can lower premium costs.
- Higher deductibles equal lower premiums.
Deductibles
The amount you pay out-of-pocket before insurance kicks in.
- Low deductibles have higher premiums.
- High deductible plans cost less upfront.
- Maximum out-of-pocket caps limit spending.
Copays and Coinsurance
The fixed or percentage costs for medical services.
- Copays – Set fee per doctor visit, prescription, etc.
- Coinsurance – Percentage of costs you split with the insurer.
Review these costs for services you frequent.
Doctor and Hospital Networks
The physicians and facilities are covered under a plan.
- Verify your providers are in-network to minimize costs.
- Narrower networks offer lower premiums.
Compare network options thoroughly before selecting a plan.
Choosing the right health plan for your unique needs is crucial. So research carefully, read the fine print, and consult a family member or benefits advisor if needed. The extra time invested upfront will pay off tremendously in the long run once you are enrolled in the ideal coverage.
Finding Health Insurance Plans Available in Your Area
One of the great conveniences of using your smartphone or tablet to apply for coverage is the ability to easily view and compare plans available where you live. With just a few taps, you can see a full list of options from various insurers tailored specifically to your location.
Here are some tips for utilizing your mobile device to find the health plans accessible to you:
Check Your State Marketplace
Every state has an ACA-compliant health insurance marketplace with an easy-to-use mobile app or website:
- Customized to include just your state’s options.
- Provides subsidies based on income.
- Displays costs and plan details simply.
Search Insurer Websites Directly
Individual insurance companies also offer online browsing and applications:
- Find expanded plan offerings beyond the marketplace.
- Allows shopping across state lines in some cases.
- May feature proprietary mobile apps.
Use Comparison Sites
Independent marketplaces like HealthCare.gov also make comparing plans easy:
- Aggregates options from many insurers.
- Input your ZIP code to see local choices.
- No need to visit multiple websites.
Narrow Down the Options
Use filters to home in on exactly what you need:
- Filter by premium price, deductible range, etc.
- Limit to just PPOs or HMOs.
- Remove plans that don’t include your medications or doctors.
Finding the right plan is much simpler when you utilize the customizable search functions on your mobile device. With just a few taps, you can zero in on the best coverage options for your location and healthcare needs.
Starting the Health Insurance Application on Your Smartphone or Tablet
You’ve selected the ideal plan. Now it’s time to complete the application process right from the comfort of your mobile device. By following these steps, you’ll be on your way to securing new health insurance coverage with just a few screen taps.
Create an Account Using Your Smartphone or Tablet
First things first, you’ll need to:
- Visit your insurer’s website or open their app.
- Click “Apply Now” or similar.
- Create a username and password.
- Enter your contact information.
This sets up your account for a streamlined application experience.
Have Documents Ready
Applying through your smartphone or tablet still requires providing key details like:
- Date of birth
- Social Security number
- Income verification
- Citizenship status
Have these documents scanned or photographed so you can easily upload them from your device during the application?
Answer the Questions
With your account created and documents on hand, you’re ready to:
- Carefully go through each question in the online application.
- Provide details on household members, employers, income, etc.
- Double check that all info entered is fully accurate.
Pick Your Providers
You’ll also likely need to:
- Search and select the doctors you want to be able to see.
- Add any medications you need covered.
- Choose a pharmacy in their network.
Accept Terms and Submit
Finally, you can:
- Read through the disclosure forms.
- Check the box to agree to terms.
- Submit the application.
And that’s it! With a completed mobile application, you’ll soon be approved and ready to use your new health insurance coverage.
Submitting Your First Premium Payment When Applying for Health Insurance
You’re so close to the finish line! You’ve selected the perfect health plan and submitted your application from your smartphone or tablet. All that’s left is paying your first monthly premium to activate coverage.
Here are some tips for smoothly handling the payment portion when enrolling in health insurance through your mobile device:
Prepay Your First Month’s Premium
- Most insurers require prepaying your first premium to begin coverage.
- This initial payment may be higher than usual.
- It gets your policy set up in their system.
Enter Payment Information
- Provide credit/debit card details through the secure online portal.
- Make sure the card won’t expire before the due date.
- Check if you can earn rewards on this payment.
Set Up Autopay
- Autopay saves effort each month.
- Your premium is automatically deducted monthly.
- One less bill to remember to pay!
Mail a Check If Preferred
- Some people feel safer mailing payments.
- Get the address to send your first check to.
- Make sure it arrives by the due date.
Watch for Confirmation
- Check for a confirmation email after paying.
- Log into your account to verify payment went through.
- Save or print the receipt for your records.
Getting that first premium payment submitted is the last step before your new plan takes effect. So take your time and carefully complete this final crucial piece of the enrollment process through your smartphone or tablet.
Before you know it, you’ll have an insurance card in hand and coverage in place!
Next Steps After Completing Your Health Insurance Application
Congratulations, you did it! You harnessed the power of your smartphone or tablet to find and apply for health coverage. Now that your application is submitted, here are some important next steps to take:
Watch for Confirmation
- Look for an email confirming your enrollment approval.
- This may take a few days to a few weeks to arrive.
- Call if you don’t receive any communication after 2 weeks.
Review Policy Documents
- Carefully read your full policy paperwork when received.
- Make sure you understand covered services, costs, etc.
- Reach out with any clarification questions.
Get Your Insurance Card
- You should receive an insurance card by mail.
- Carry this card with you at all times.
- You’ll need to present it whenever you receive medical care.
Log Into Your Account through your Smartphone
- Set up online access to your insurer’s website or via App.
- Manage your policy, access forms, and see claims status.
- Download their mobile app if available.
Note Effective Start Dates
- There is often a waiting period before coverage starts.
- Mark your calendar with coverage activation and renewal dates.
- Don’t seek care until enrolled to avoid surprise bills.
Ask Questions
- Don’t be shy about calling customer service with questions.
- Make a list of topics to discuss when you call.
- Keep notes of conversations for future reference.
Following up diligently after submitting your mobile application ensures you maximize your new health insurance coverage.
Best Health Insurance Companies in USA 2023
UnitedHealthcare
- Largest health insurer in USA.
- Wide range of plan options and large provider network.
- Comprehensive online and mobile tools for members.
- Excellent coverage for urgent care and emergency services.
Anthem Blue Cross Blue Shield
- Affordable pricing and good choices for deductible levels.
- Strong coverage for prescription medications.
- Member perks include gym membership discounts.
- Large national provider network available in many states.
Aetna
- Comprehensive plan options include HMOs, PPOs, and HSAs.
- Digital tools and mobile apps make it easy to find care.
- Programs to help members improve health and lower costs.
- National coverage but stronger networks in certain regions.
Cigna
- Top-rated customer service and member support.
- Innovative programs for mental and behavioral health.
- Discounts and incentives for completing health assessments.
- Broad network reach with providers across all 50 states.
Kaiser Permanente
- Integrated system with coordinated care between facilities.
- Plans with low out-of-pocket costs and no deductibles.
- Restricted regional networks concentrated in West Coast states.
- Excellent quality ratings especially for cancer and maternity care.
Conclusion and Key Takeaways:
Applying for health insurance through your smartphone or tablet is easier than ever. By following this guide, you now have all the key steps to complete the application process fully online.
Here are some of the main takeaways:
- Preparation is key – Have all required documents and details ready beforehand.
- Compare plan options thoroughly – Make sure you select the right coverage.
- Double check application info – Accurate details prevent delays or issues.
- Pay premium promptly – The first payment activates your policy.
- Follow up diligently – Confirm enrollment, understand coverage, and ask questions.
Harnessing technology simplifies and streamlines a process that used to be extremely tedious and time-consuming. With health insurers now embracing mobile applications, you can join the millions of people now insured with just a tap of their smartphone or tablet.
So take control of your coverage today and gain peace of mind knowing you have the health plan you need. No printing, faxing, mailing, or long hold times are required! With the power of technology, quality health insurance is now right at your fingertips.