The internet has many legitimate health insurance brokers that use a minimum amount of your personal information in order to provide you with instant health insurance quotes. Rogue websites look similar to legitimate websites, but capture your personal information for resell to agents and list service companies, so it’s important to know the difference between good and bad websites. In a recent Google search using the terms “Maternity Insurance Plans” and Pregnancy Health Insurance,” nearly 50% of the top 20 results were rogue websites. Clicking the “Get Quote” button at rogue websites is essentially telling them to “Have 5-10 medical insurance agents call me to sell me a policy,” and “Please sell my email address to other list services and health insurance agents so I can receive their emails.” I’ll show you how to recognize these fake quote websites before you give them your personal information.
Ten years ago I left the corporate world to start a business of my own. I knew I need to get health insurance for my family so I searched online for Medical Insurance California. I clicked one of the top links and read some information of the website and saw that I could get instant San Diego health insurance quotes by filling out their quote request form, so I did. When I hit the “Submit” button to get the quotes, I was taken to a generic page that said I would be contacted by 5-8 agents that would provide my instant quotes. Twenty seconds later my phone started ringing, and for over 2 months I got daily phone calls from agents trying to sell me health insurance. The junk emails were actually worse because they never stopped and seemed to multiply as time went by. I eventually had to get a new email address (this was before spam filters).
As a result of that experience I learned the telltale signs of rogue websites and can now recognize them quickly. Here is the list of red flags to watch for:
1. Google insurance ads on the website - legitimate California health insurance brokers wouldn’t display competitive ads on their websites. 2. You see links for “Agents” or “Brokers” on the website - the website is going to sell your contact info to the agents that sign up to use the website’s services. Look through ALL the links, bottom, top, and sides of the webpage. 3. Check the privacy policy to determine if they are going to give your personal information to third parties - they have to tell you they will do this in order to be able to sell your information to agents or email services. 4. Look to see if the website displays an insurance license number (this is commonly at the bottom of the page) - if no license the website could be a rogue or a national company that won’t be as familiar with the details of the California health insurance market. 5. Scan for the following text, or something similar, “this website provides a free service and is not an insurer or agent/broker” - this is a marketing website that will sell your personal information or send you to a national broker for a referral fee.
If none of the above red flags show up, and you decide to begin filling out the quote request form to get a California Medical Insurance quote, you need to look out for 3 more red flags before submitting your information:
6. Read the Disclaimer at the bottom of the quote request page - rogue websites must tell you if they will have agents call you. 7. Your home address is required to get quotes - only your zip code is necessary, your address just gives them the ability to send just mail. 8. Asks for the best time to contact you - seeing this on the quote request form means agents WILL be calling you.
If you spot any of these red flags you should close that page; if you don’t press the final “Submit” button your information will not be saved.
Finding rogue San Diego health insurance websites in a Google search is pretty common, and they tend to show up in longer keyword searches. To ensure you are working with a legitimate San Diego medical insurance website, you need to look for the key signs identified above. Those signs are Google insurance Ads, bad privacy policies, Agent/Broker links, disclaimers, no insurance license, or text saying the website is not an insurer or broker. Watching for these signs will make your search less stressful, and keep your personal information safe.
Tim T is a writer in the insurance industry. The best website on Medical Insurance Californiais SPF Insurance. Get the information you need and an instant health insurance quote California without hassle.