Frequently Asked Questions
Q. Does it cost me more to deal with an insurance broker or agent than it would if I dealt directly with an insurance company?
A. No. In fact by law no other agent or company may quote you a lower price for the same insurance products. The prices are all regulated by the States' Insurance Commissioners, and we cannot charge or change prices for or with our services. We are appointed with the various insurance companies and they pay us, not affecting your price. We are here to serve you and work for you, give you advice without any charges what so ever. Therefore give us a call for a Free No Obligation consultation and let us help you find and get the best lowest cost health insurance possible. We will guarantee you the best professional service free of charge.
Moreover, because we are appointed with several companies we can offer and compare each company's plans with true objectivity in order to get you the best coverage at the lowest price possible.
Q. How do I save the most on my health insurance premiums?
A. That is why we are here to serve you. It is always adviseable to speak with a licensed insurance expert before making a final buying decision. There are many ways to save just give us a call @ 1-877-423-0003. Some such ways to save are as follows:
- Take a separate policy out for your spouce or children instead of just adding them to your exisiting company plan. Many times company group plans are structured to charge a great deal more for a spouse or children because they have to accept all regardless of pre-existing conditions which drives up the premium costs.
- Look at the possibility of taking a plan with a higher deductible and backing up the coverage with an Accident Plan or a "Lifestyle or Critical Illness" plan to cover possible out of pocket exposure. Surprisingly you can save more on your monthly premiums by adding or bundling plans together. Give us a Free No Obligation call for details and to custom build an "Ultimate Protection" Plan for you. @ 1-877-423-0003
- Take a Plan that offers no regular maintenance such as doctor co-pay visits, or prescription co-pays or wellness visits, a plan which is primarily set up for catastrophic coverage or a 100% plan. When compared with the premiums of a total comprehensive insurance policy, many times you will be paying for more than you actually use or would have to pay if you paid for such services separately out of pocket.
- Allow us to do the shopping and look deep in the the insurance industry with our expertise and appointments to find you the best prices. There are a great number of plans that do not quote on the quote engines, yet offer you the best and lowest priced choices.
- Give us a call and we can get you set up with the best options that will save you the most on you monthly premiums @ 1-877-423-0003.
Q. Can I save money by getting group coverage for my business with less that 5 employees?
A. Not usually. There is a great myth about group coverage. Group coverage is actually much higher in cost because they have to accept all regardless of health conditions. It is found that most often you can save a great deal with individual plans for each employee and their family than by getting a group coverage for all.
Q. How long does it take to get individual health insurance?
A. Individual health insurance is medically underwritten and is not guarantee issue. The process can take anywhere from 24 hours to several weeks depending upon the amount of additional information the underwriting team may need to complete the process. Typically a very short period of time if you are extremely healthy, or significantly longer if you experience health problems. An option is to take out a Short Term Major Medical plan which issues instantly if it appears that the underwriting time period is going to take longer than a month.
Q. How long after I get accepted can I use my policy?
A. Depending upon the specific carrier, you may usually use your policy immediately upon issue if necessary. Some policies have a waiting period for coverage such as wellness visits. It's wise to check the details of the policy upon acceptance before using the policy.
Q. What is a pre-existing condition?
A. A pre-existing condition is a condition for which you:
- Are currently taking medication.
- Have taken medication over the last few months or years.
- Are currently seeking treatment or proposed treament with a medical doctor or professional.
- Have seen a doctor about in the past.
- Acknowledge you should be seeing a doctor about.
Q. What if I get declined for health insurance coverage?
A. We are appointed with a number of insurance companies. We will work with you, contacting various insurance carriers to see if we can find you coverage elsewhere. We will also provide you with the necessary information on other State or Federal programs that you may be eligible to get coverage through. It is always adviseable to give us a Free No Obligation call @ 1-877-423-0003 to do a pre-screening with various carriers' underwriting departments to see which plan and company will be the best fit. There are times when you may be accepted but with a rider for a particular condition. You will still have great health insurance coverage for everything else, and it sure beats going with out.
Q. Do I have to pay my deductible before "office visits" are covered by the co-pays?
A. Generally, no. With most all individual health insurance policies as different from "Group Policies", you do not have to cover the deductible before a doctor co-pay visit. With HSA or 100% plans you do have to satisfy the deductible before the insurance company pays for any service, although you will still receive a good reduction or re-scheduling in prices through your network benefits.
Q. When do I have to cover the deductible?
A. The deductible will be a set amount that you will have to pay after you receive treatment requiring hospitalization, surgery, diagnostic or other testing, not before getting the treatment.
Q. Are co-payments credited against my annual deductible requirements?
A. Generally, no. However, insurance policies with "office visit co-pays" handle office visits and hospital stays differently, wherein hospital stays are covered under the "major medical" portion of the policy and tend to be subject to deductibles and co-pays.
Q. Can I change my deductible after my policy is issued?
A. Most companies will allow you to make changes during the initial 10 day "free look" period. Then most companies will allow you to change to a higher deductible with ease. Lowering a deductible usually requires you to complete a whole new application where you must indicate any changes in your current health conditions. Some companies require that you sit out (seek other coverage with a different company) for a period of 6 months before re-applying.
Q. Can I be singled out for cancellation or a rate increase of a policy because of health problems that I contract after the policy was issued?
A. No. As long as you have paid your premiums by law you may not be singled out for cancellation or a rate increase because you are being treated and/or filing claims for payment with your insurance company. However, you can use up your benefits after having covered expenses in excess of your lifetime maximum.
Q. Will I get a rate increase?
A. All insurance companies will increase your rates. Some will give you a 12 month rate guarantee, some you have an option for a 18 month stable rate, some as long as 36 months. That is why we promise you that we will be there to serve as your health insurance broker today, tomorrow and for years to come. Since rate increases are inevitable and standard throughout the industry, we will stay in touch or you may call us when you are likely to get a rate increase and we will shop for the best premiums and best coverage all over again on your behave with no obligation. We will be there with you for any changes that need to be made to your insurance coverage, or for questions that may arise.
For any additional answers to questions you may have about health insurance or your coverage, we are here to help you. Just give us a Free call:
@ 1-877-423-0003
or use the email contact: Contact Us
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