Health Insurance Frequently Asked Questions

Q: Do you offer health insurance in my state?

A: If you live in the United States, chances are that we can help you find the right
health insurance plan for you and your family.

Though we don't currently offer every health insurance product in every state, we presently offer insurance plans to a vast majority of the U.S. population and we're consistently working to expand our Services.

To see if we offer plans in Your area, simply request a free, instant quote. Then just provide us with Your zip code, and some other basic information.

Q: Can I contact someone if I need help?

A: Yes. We believe in providing you with top-quality customer service. Our customer service center is staffed with licensed health insurance agents and knowledgeable representatives, ready to assist you with all your healthcare coverage needs.

Call Us:

1-800-538-3610

Mon - Fri
9 a.m. - 8 p.m. CST

Saturday
9 a.m. - 2 p.m. CST

Email Us:

Click here to send us an email. One of our knowledgeable customer care representatives will reply to you soon.

NOTE: Our licensed health insurance agents can ONLY discuss insurance plan benefits and rates by phone.

Q. What is a co-payment?

A: A "co-payment" or "co-pay" is a specific charge that your health insurance plan may require that you pay for a particular medical service or supply. For example, your health insurance plan may require a $15 co-payment for an office visit or brand-name prescription drug, after which the insurance company often pays the remainder of the charges.

Q: What is a deductible?

A: A "deductible" is a specific dollar amount that your health insurance company requires You to pay out-of-pocket each year before your health insurance plan begins to make payments for claims.

Not all health insurance plans require a deductible. As a general rule (though there are many exceptions), HMO plans typically do not require a deductible, while most Indemnity and PPO plans do.

Q: What is coinsurance?

A: Coinsurance is the term used by health insurance companies to refer to the amount that you are required to pay for a medical claim, apart from any co-payments or deductible. For example, if your health insurance plan has a 20% coinsurance requirement (and does not have any additional co-payment of deductible requirements), then a $100 medical bill would cost you $20, and the
and the insurance company would pay the remaining $80.

Q: What is the difference between in-network and out-of-network providers?

A: An in-network provider is one contracted with the health insurance company to provide services to plan members for specific pre-negotiated rates.

An out-of-network provider is one not contracted with the health insurance plan.

Typically, if you visit a physician or other provider within the network, the amount you will be responsible for paying will be less than if you go to an out-of-network provider.

Though there are some exceptions, in many cases, the insurance company will either pay less or not pay anything for services you receive from out-of-network providers.

As a general rule, PPO, POS, and HMO plans make use of provider networks. Indemnity plans typically do not.

Q: What's the best health insurance plan for me?

A: Choosing between different health insurance plans isn't always easy. There is no one "best" plan for everyone. The best match for you and your family may be different than the best match for someone else.

In order to help you answer this question, here are a few things to consider:

1) Are you going to need long-term coverage or just something for the short-term?

If you're between jobs for 1-6 months, you may want to look into our short-term coverage options. Alternatively, if you have no prospects of receiving group health insurance coverage through an employer, you may value the stability and increased benefits offered through an individual and family health insurance plan which will provide longer term coverage.

2) Are you looking for basic coverage or more comprehensive coverage?

Some insurance plans offer basic coverage (i.e., primarily inpatient hospitalization and outpatient surgery coverage) to cover you in case of a major accident or illness. These insurance plans typically have a lower monthly premium than plans with more comprehensive coverage, and may be appropriate for people who
intend to use their insurance primarily in the event of a serious accident or illness.

Other insurance plans, in addition to offering coverage in case of a major accident or illness, offer more comprehensive coverage which MAY include benefits such as: preventative care, physician services, prescription drug benefits and routine office visits. These insurance plans typically have a higher monthly premium than plans that only offer basic coverage, and may be appropriate for people who intend to use their insurance on a regular basis.

3) Would you rather pay for your services before you use them or when you use them?

Typically, the higher the monthly premium that you pay, the less you will pay per doctor's visit in co-payments and deductibles. If you choose a health insurance plan with a low monthly premium, you're likely to have a higher co-payment or deductible. If you don't anticipate making frequent use of your health insurance coverage, a higher-deductible plan with a lower monthly premium may suit you best.

4) How important to you is easy access to specialists?

Health insurance plans that require you to coordinate your care through a primary care physician typically require that you obtain a referral before seeing a specialist. Thus, if you prefer easier access to specialists, you may wish
to consider a different type of plan.

5) Do you have a specific doctor or hospital that you would like to visit for healthcare?

Some insurance plans utilize provider networks. Pay special attention to the network of doctors or facilities that each health insurance plan utilizes. You'll want to make sure that your favorite doctor or hospital is included on the list for the health insurance plan you choose. Also note that networks utilized by health insurance plans can change, so there is no guarantee that your doctor will always be contracted with your chosen health insurance plan.

6) What is the most you could pay out in case of a serious illness or injury?

Health insurance plans typically place limits on how much a member is required to pay out per year for his or her healthcare. This limit is often referred to as an out-of-pocket maximum. Once you've contributed this maximum amount toward your healthcare, the health insurance company typically covers all other costs for the remainder of the benefit year.

If you're concerned about what may happen to you in case of a serious illness or injury, you may wish to pay special attention to the out-of-pocket maximums for the health insurance plans you're considering.

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