Q: Does insurance cost more when I go through an Agent?
Q: Can I get individual health coverage?
Q: Do I have to buy maternity coverage?
Q: Can a small business with only two full time employees get health coverage?
Q: Are pre-existing conditions covered?
Q: What is the difference between HMO and PPO?
Q: Can I get coverage for my relatives coming from another country?
Q: I need temporary insurance while between jobs. What is available?
Q: I am turning 65 and will get Medicare. What are my options?
Q: Are there any plans that would cover Cancer or other Critical Illness?
Q: Can I get dental insurance?
Q: Is Orthodontics covered with dental insurance?
Q: What is Long Term Care?
Q: Does insurance cost more when I go through an Agent?
A: 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.
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Q: Can I get individual health coverage?
A: Carriers have both HMO & PPO plans available to individuals and families.
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Q: Do I have to buy maternity coverage?
A: No. There are many carriers who offer non-maternity coverage at reduced premiums.
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Q: Can a small business with only two full time employees get health coverage?
A: Carriers require a minimum of 2 employees on payroll. Apply for group health insurance online.
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Q: Are pre-existing conditions covered?
A: On individual and family plans pre-existing conditions may be charged an extra premium to be covered. On Group Plans employees are guaranteed coverage for pre-existing conditions if they have had prior coverage.
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Q: What is the difference between HMO and PPO?
A: HMO- you choose a Primary Care Physician who manages your care. PPO- you manage your care by using any provider from your health plan.
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Q: Can I get coverage for my relatives coming from another country?
A: Coverage is available for people visiting the USA or USA citizens traveling abroad. There is even coverage to protect against kidnapping and ransom.
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Q: I need temporary insurance while between jobs. What is available?
A: Short term plans are available for 30 days up to 1 year and can be come effective within 24 hours.
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Q: I am turning 65 and will get Medicare. What are my options?
A: You are guaranteed enrollment in any Medicare Supplement plan within 6 month of your birthday.
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Q: Are there any plans that would cover Cancer or other Critical Illness?
A: Yes. There are some that pay cash directly to you.
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Q: Can I get dental insurance?
A: Yes. There are PPO & HMO options.
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Q: Is Orthodontics covered with dental insurance?
A: Yes, on some plans, with waiting periods.
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Q: What is Long Term Care?
A: Coverage that will assist in paying for care either in the home or in a facility.
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