FREQUENTLY ASKED QUESTIONS & ANSWERS
Q: How are your rates so affordable at 30-50% less than the ‘marketplace’?
A: There’s three main reasons our robust coverage is so competitive. 1) Most of our plan options exclude major pre-existing health conditions. 2) We offer a good deal of customization on our plans. 3) We don’t waste money on advertising and distribution. The insurers we represent take pride in building the best products at the lowest premium and then working through independent agents. 00
Q: How robust is the coverage for me and my family?
A: Individuals may customize a number of features including: preventive wellness, physician office visits, diagnostic testing, critical illness, accident insurance, disability insurance, dental… and more. This makes private plans a true all-in-one health coverage solution. You can potentially increase coverage and lower your premium!
Q: What is unique about your plans’ benefits?
A: Many private plans offer a fixed benefit payout for hospital, surgical, wellness or illness occurrences. Many plans are a $0 deductible, meaning benefits paid out immediately. The best part: No caps or limits on benefit payouts with some plan options.
Q: How big is your physician network?
A: For the most popular plan options – It’s big! Plans are on the leading independent national primary PPO with over 500,000 preferred physicians across all 50 states. Benefits will 0still pay any non-preferred physician but their negotiated costs will be higher.
Q: When can I enroll into your health plans?
A: Private plans do not have open enrollment periods; you or your family can secure coverage at any time of the year.
Q: Will my rate keep going up every year?
A: Most of our Plan options are guaranteed renewable and permanent. Also you and your family cannot be singled out for a rate increase or cancellation based solely on changes to your health. For certain individual plans, rates haven’t increase in several years. Some short term plans may be subject to a rate change.
Q: How do I get a quote for myself or my family or my business?
A: Great question!
- Visit our Directory to select an agent who fits your needs.
- Visit the Set an Appointment page to schedule a convenient time to meet in person or by
phone with the agent you select.
- Review the Plan Brochures to begin the selection process. Your agent will answer questions and clarify options when you meet.