Frequently Asked Questions

While you can do it on your own, its better to use a well informed agent to fully understand the benefits and limitations of your individual health policy. You do need to use a licensed, contracted agent for group insurance.

Group insurance is purchased by an employer on behalf of the employee. The employer chooses the benefits for the employee. Individual insurance is purchased by an individual with no employer attachment and the individual chooses his/her own benefits controlling their own coverage and costs.

Generally, individual policies are less expensive because
there are not as many required or state mandated coverage requirements (i.e. maternity, mental health, guaranteed enrollment).

The upfront portion you pay before the insurance carrier starts paying their percentage.

The agreed percentage the insurance carrier pays on your behalf after you meet your deductible.

A pre-existing condition is any medical condition that you currently have being monitored, treated or taking medication for. It could be as minor as high blood pressure, allergies, acid reflux or as major as cancer, stroke, pregnancy or diabetes.

A rider is a coverage and/or change to the policy.

A Health Savings Account aka H S A is high deductible health plan to bring down your premium tremendously. Unfortunately people and agents are not very informed when it comes to understanding and explaining the benefits. We have H S A experts on staff to
explain the tax breaks and low premiums these plans offer.

No ! One agent cannot save you money over another for the same plan, unless they change something, insurance prices are regulated by the insurance company – do not be misled !!!

With individual insurance, if you are currently pregnant or adopting, you will be automatically declined. You may get benefits through an employer or a state plan.