Frequently asked questions

General Questions

Why do I need to buy insurance?


Security. In a word, security is the reason that you buy insurance. Simply put, health insurance provides security against unforeseen circumstances that may result from being ill or injured without some type of plan beforehand. Think about what it costs you to get sick. Here is a story from a client of ours: "At least once a year, I get a cold. Now and then it becomes something else like a sinus infection that leaves me miserable for a day or two. Having insurance helps me feel better about missing a day of work. If I don't work, that's $250 that I don't get for each day. So if I don't see a doctor, I'm usually unable to work for about a week. If I use my insurance and go to a doctor, I can get back to work faster, only taking a day or two off. That's a difference of $750 to $1,000. That's more than I pay in premium for the whole year." Insurance isn't about making money; it's about protecting the hard-earned money, time, energy and resources that you've worked so hard to get.




What does health insurance cover?


  • Health insurance is a form of risk management. By pooling the risks posed to all policyholders, we can plan for expensive events that may disproportionately affect some groups more than others.
  • The basic idea behind this strategy is spreading cost around society so in any one event an individual would not have to bear as much liability if they had no coverage at all.
  • Health insurance coverage usually covers healthcare needs like procedures and prescriptions which are medically necessary rather than cosmetic items or experimental therapies




Who can I cover on my health insurance?


  • You can typically cover your resident family members, including your spouse and children (adopted, stepchild, or other similar relations).
  • You need to be able to provide evidence of the person's relationship to you as proof that they're your family member. Often that proof can be found by providing documents such as:
    • Tax forms
    • Power of attorney documents
    • Marriage Certificate
    • Birth Certificate
    • Adoption Documents
    • Other similar documents that prove legal fiduciary responsibility
  • For most of our clients, these documents are not necessary. However, we occasionally need to provide them in order for the government to verify their relation and qualify for tax credits.




How much does health insurance cost?


It can vary drastically based on your income, family size, and age. The one thing we can promise is that our expertise is always free. We’ll provide you with more customized options with less headache for the exact same price or less than you could find elsewhere or doing all the work yourself.




What is a deductible?


A deductible is the amount of money in a particular policy that you must first spend before your insurance company will begin to cover any costs.




What is coinsurance?


Coinsurance is a percentage that must be paid by the patient before their health insurance company will cover any more expenses. For example: If a person has 20% coinsurance and it costs $100 to get treatment, they would need to pay $20 themselves and the insurance carrier would pay the rest.




What is a copay?


A copay is when you see a medical provider at their offices and they provide you with services there are often some costs which need to be paid by patients before leaving the facility.




What is out of pocket maximum?


An out of pocket maximum is the amount you can spend in a year before insurance companies cover all of the expenses.





Current Clients

How do I make a premium payment?


The easiest way to make a payment is through your Carrier’s online portal or over the phone. Here is a list of the most common carriers and the number you can reach them at: - Cigna 1 (800) 997-1654‬ - SelectHealth (800) 538-5038‬ - University of Utah (801) 587-6480‬ You can also click HERE to find your Carrier’s information. We can also help you process that payment if you'd like to simply call us at 801-896-8377




Who will handle my claims?


All claims will be handled by the insurance Carrier. We are here to help answer any basic questions that come up and direct you on who to contact if any issues arise.




Who should I contact if my payment didn’t go through?


Contact the Carrier directly. You can find their contact information HERE




When will my coverage begin?


Most plans’ coverage starts on the 1st of the following month. We also offer great options that begin when you need them most, for example; Short Term Medical Insurance starts as soon as the application is done and Vision Coverage begins immediately after signing up.





New to Insurance

Do you offer free consultations to new customers?


Yes, we do! We'll help you explore the options available to find a plan that suits your situation. Whether it's comparing two plans that we don't offer, choosing between a work plan, your parent's plan or exploring marketplace products - we're here for you every step of the way!




How do I get a quote?


We will gladly give you a quote with whatever form of communication you’d prefer. You can either give us a call during our regular business hours at 801-896-8377, schedule a time to come into the office HERE, or you can fill out the quote questionnaire HERE and a quote will be emailed to you within 24 hours.





About Us

How is your business different from other agencies?


We're here to make it easy. Insurance can be confusing with all of the numbers and unfamiliar terms like deductible, formulary, co-pay, and co-insurance. That's where we come in - you only have to understand that our team will take care of everything for you so there is no need for confusion or stress! We know insurance inside out which means when a new problem arises (or an old one) we'll quickly find the perfect solution tailored specifically for your needs.




What kind of insurance do you offer?


We specialize in Health and Life insurance. We work with a variety of different Carriers to ensure we can find the best plan for you. Some of the plans we offer include Marketplace (Obamacare), Short Term Medical, Vision, Dental, Indemnity, Life




How much are your services?


Our services are always free and we'll never charge a dime.




Where are you located?


851 N 100 E Spanish Fork, UT 84660 From I-15 get off exit 257. Turn south onto Main Street. Once on main street, turn east onto 900 N (no traffic light at this intersection). Turn south onto 100 E. Drive about half a block and then turn right into the parking lot. Our logo is on the outside door.





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