Frequently Asked Questions
What is a health insurance
quote?
What information do
I need to provide?
How will agents contact me?
Are the agents licensed with health insurance
companies?
Are there any hidden or future charges?
Is this website and service secured?
What if I don't get any quotes? Is that possible?
What is a premium?
What is a deductible?
What are copayments and coinsurance?
What should I ask my agent about my plan?
What is a formulary?
What is a Health Savings Account?
What is a high-deductible health
plan?
What is the best health insurance
company?
What is the best health plan to get?
What is managed care?
What is an HMO?
What is a primary care physician?
What is a PPO?
What is a POS plan?
What is preventive care?
What is a pre-existing condition?
What is a traditional "indemnity" Fee For Service
plan?
About Our Service
What is a health
insurance quote?
Health insurance quotes are estimates on the plans you will most likely
qualify for, and the rates you should expect.
What information
do I need to provide?
You only need to tell us basic contact information and a general health
profile so we can match you up with the agents that will give you your
best insurance options.
We'll never ask for sensitive information such as your Social Security Number or a credit card number.
How will agents contact
me?
Agents will contact you by phone or email. Some agents prefer one method
of contact over the other, so remember to check your email inbox frequently!
Are the agents licensed with
health insurance companies?
All of the agents we work with are licensed with trusted names in health
insurance.
Are there any hidden or future charges?
Our service connects you with agents absolutely 100% free. There are
no hidden fees or future charges from us - and that's a promise.
Is this website and service secured?
Information is secured with Secure Sockets Layer (SSL), which
is an online encryption system that makes sure all info is sent to us
securely.
What if I don't get any quotes? Is
that possible?
Occasionally, some who use our quote service do not receive any quotes.
The most common reasons include: our network of agents do not provide
plans in your state, or none of our agents are able to provide the right
plan for your needs.
But you're not out of options if this happens. Ask your agent about discount health programs.
About Health Insurance
What is a premium?
Your premium is the payment that must be paid to the insurance company
every month to keep a health policy in effect. Insurance companies set
your premiums based on factors such as age, weight, and health history.
What is a deductible?
The deductible is the dollar amount per year you will have to pay of
your health care costs before your insurance coverage begins. For example,
if you have a $500 deductible, you will have to pay $500 of your health
costs before the insurance kicks in.
Many plans allow you to choose your own deductible from a range of options - typically between $250 and $5,000.
What are copayments
and coinsurance?
Copayments are the part of a medical bill you'll need to pay for the
care you receive. Copayments are usually represented by a fixed dollar
amount. For example, a routine doctor's check-up may cost a $30 copayment
for the visit.
Coinsurance is very similar, only it's expressed as a percentage. For example, a common coinsurance rate is 80/20, where you pay 20% of a medical bill and your insurance pays 80%.
What should I ask my agent
about my plan?
It's important to understand all the details of your health plan. And
don't be afraid to ask questions.
Here are some important parts of your plan to ask your agent about:
- All of the services covered and not covered
- Copayments and coinsurance
- Any exclusions and/or limitations of your plan
- What prescription drugs are covered
- Waiting periods
- Your health care provider network - know which doctors and hospitals will accept your insurance
What is a formulary?
The formulary is the list of the all of the prescription drugs that
your plan covers.
What is a Health Savings
Account?
A Health Savings Account (HSA) is a bank
account that allows you to save tax-free dollars for almost any health
care expense. HSAs are only compatible with high-deductible health plans
- plans with deductibles of over $1,100 for individuals and $2,200 for
families.
What is a high-deductible
health plan?
Any plan with a deductible of over $1,100 for individuals and $2,200
for families is considered a high-deductible health plan (HDHP). The
main advantage of any HDHPs is they have lower monthly premiums than
other plans.
As a general rule, when the deductible goes up, the premiums go down.
What is the best
health insurance company?
There is no one health insurance company that is the best. Because there
are multiple companies to choose, it only gives you more insurance options.
The companies we work with are leading carriers of health insurance. But don't be afraid to check out a company's website to learn more about them.
What is the best health plan
to get?
Everyone has different health needs. The best health plan to get is
the plan that best fits your individual needs. Consider any coverage
you think you might need - and think about what your budget can handle.
What is managed care?
Managed care refers to health insurance
plans such as Health Maintenance Organizations (HMOs), Preferred
Provider Organizations (PPOs), and Point of Service (POS) plans.
Managed care plans create "networks" of doctors, hospitals, clinics, and specialists. The care providers in the network agree to provide their medical services at a discount. For policyholders, it means more affordable premiums, copayments, and coinsurance - and more flexible deductibles.
What is an HMO?
HMO stands for Health Maintenance Organization. They are one of the
most affordable kinds of managed care. But HMOs only provide coverage
with in-network health care providers. You also must choose a Primary
Care Physician (PCP). Your PCP will be the first physician you go to
for care, or for referrals to other doctors.
What is a primary care
physician?
The kinds of doctors that are considered primary care physicians (PCPs)
include:
- General practitioners
- Pediatricians
- Family doctors
- Internists
- OB/GYNs
A primary care physician is generally the "first line of defense" doctor. That means if you need to see a doctor, you go to your PCP first. If you choose an HMO and need to go to another doctor or specialist, you'll need a referral from your PCP.
What is a PPO?
PPO stands for Preferred Provider Organization. A PPO provides coverage
for any care provider - in or out of the network. They are typically
more expensive than an HMO.
What is a POS plan?
POS stands for Point of Service. The POS plan is a combination of the
HMO and PPO. You must choose a Primary Care Physician, but you do not
have to get referrals from them. POS plans provide coverage with out-of-network
doctors, like PPOs.
What is preventive care?
Preventive care includes routine doctors' appointments, annual physicals,
well-baby care, and immunizations. It's important to have coverage for
these preventive care services to stay healthier and catch early symptoms
before they turn into serious conditions - or avoid any symptoms all
together.
What is a waiting period?
A waiting period is the amount of time you'll have to wait before your
insurance plan begins covering a certain health condition. For example,
if you broke your arm two months ago, your insurance plan may not cover
any care related to your broken arm for one year.
What is a pre-existing
condition?
This refers to any health condition you had before you applied for you
health plan. For example, if you developed asthma 3 years ago, that
would be considered a pre-existing condition.
What is a traditional "indemnity" Fee
For Service plan?
Traditional "indemnity" plans work very simple. You get the medical
care you need, and your plan will reimburse you for a portion of the
cost. As long as the medical service is covered under the plan, you
can see any health care professional. The only thing to remember is
that traditional plans are more expensive than managed care plans. They
are also called Fee For Service (FFS) plans.
Ready to compare plans and view quotes online? Use our secure form here.