Frequently Asked Questions
If I am current pregnant, can I get coverage?
Major medical carriers consider pregnant women and their immediate family (husband and children) uninsurable for coverage. You will need to wait until delivery to then apply for coverage for yourself and family.
How often will my rates change?
It depends upon the carrier. Rates will normally change on the 13th month of the policy. Some companies do offer to lock rates for 24 months even 36 months. Please consult with one of our specialists to help you select a plan that offers rate guarantees (888) 282-3650.
If I get a new job, can I drop the coverage?
The insurance policy is a unilateral contract, you can drop it at any time for any reason.
Will I have coverage internationally?
Depending upon the carrier. If you travel internationally, outside of the US boundaries, in case of emergencies some companies will provide you coverage. They will have the provisions pointed out in the coverage details. Please check with one of our specialists at (888) 282-3650.
Do all policies cover maternity?
On individual major medical, normal pregnancy is not cover unless it is selected as an added benefit. Complications of pregnancy are covered by any carrier as a regular sickness.
Do I need to make any deposits to apply for coverage?
At the time of application every insurance company will require you to provide your form of payment which normally is through your checking account. Some companies do offer the option of making payments via a credit card such as Visa or MasterCard. Depending upon the carrier some companies will obtain your first month’s premium upfront along with your application, other carriers will obtain your first month’s premium after being approved for coverage.
Why is my social security number asked on the application?
In an application for health insurance, sensitive information like social security numbers for the individuals applying for coverage needs to be provided because insurance companies to determine whether or not to issue coverage to you are able to obtain all your medical information by your social security number. It is not a credit check, it is a health history check that they perform.
Until what age can I include coverage for my children?
Depending upon the carrier it varies from 23 to 30 years of age if they are still your dependants or full time students. Please contact one of our specialists for your particular case at (888) 282-3650.
I have coverage, but my children don’t. Can I obtain coverage just for children?
Yes, you can obtain coverage for children only as long as they can medically qualify for coverage. Will baby well care visits be covered with health insurance? All insurance companies must comply with the laws of the State in which the coverage is being offered. For instance, Florida law requires that insurance companies offering health insurance must cover immunizations and child supervision services up to age 17. So even if within the policy there are provisions that exclude immunizations and child supervision services, because State of Florida requires these services to be covered then those provisions are amended.
Will preventative care such as a pap smears, mammograms, PSA testing be covered?
Mammograms are a Florida state mandate benefit that needs to be covered by all insurance companies. Preventative services for pap smears and PSA testing in order to be covered by the carrier prior to the deductible, they will need to be listed in the summary of benefits; otherwise they will be covered after deductible.
In how much time will I be approved for coverage?
It depends on the carrier. For applicants that have no ongoing medical conditions, normally can get approval within seconds of submitting your application or within a week. Individuals for which the insurance company has to obtain medical records or another requirement, those applications can take anywhere between one to six weeks from the time of application to get their decision.
If my present coverage will expire within the next 30 days, when should I apply for new coverage?
We advise you to submit your application at this time requesting an effective 30 days from the time of your application for the reason that if the insurance company you applied for needs to obtain medical records or additional information from you the applicant you are allowing time to have this performed so that you avoid any possibly lapses of coverage. What information will I need to complete my application online? You will need full names of applicants to be insured, height and weight of all applicants, social security numbers of adults and children, date of birth, home address, phone numbers, email address, names and addresses of physicians if ever consulted, name and address of your primary physician, bank routing numbers and checking account numbers.
What information will I need to complete my application online?
Yes, we have specialists that are able to help you answering questions and when completing your application from Monday thru Friday 8:30 a.m. (EST) to 7:00 p.m. (EST), Saturdays 9:00 a.m. (EST) to 6:00 p.m. (EST). Please call (888) 282-3650.
What deductibles are mostly used?
High deductibles are mostly used, which are from $5,000.00 and up. The reason is because it keeps your premiums low, and some carriers will even give you lock in rate provisions for higher deductibles. Mostly all carriers give the insured benefits prior to the deductible and you can also obtain supplemental coverage that will cover your deductible and coinsurance please call us so we can help you in these regards (888) 282-3650.
