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Health Insurance Frequently Asked Questions
No. Your monthly premium is determined by the carrier and remains the same whether or not you use an agent. The benefits of using an independent agent are: assistance with the application process, advocacy between you and the carrier, assistance with claims, benefit or billing issues, consultation on the best plan and carrier for your needs.
By providing some financial information we can advise on your eligibility.
Yes, on some plans, with waiting periods.
Yes. There are PPO & HMO options.
Yes. There are some that pay cash directly to you.
You are guaranteed enrollment in any Medicare Supplement plan within 6 month of your birthday.
Short term plans are available for 30 days up to 1 year and can be come effective within 24 hours.
Coverage is available for people visiting the USA or USA citizens traveling abroad. There is even coverage to protect against kidnapping and ransom.
HMO- you choose a Primary Care Physician who manages your care. PPO- you manage your care by using any provider from your health plan.
As of January 1, 2014 Pre-Existing Conditions will now be covered.
As of July 1, 2012 all plans cover Maternity.
Carriers have both HMO & PPO plans available to individuals and families.
Coverage that will assist in paying for care either in the home or in a facility.