Frequently asked questions
Why do I need to buy insurance?
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:
Power of attorney 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?
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.
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.
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.
Who will handle my claims?
Who should I contact if my payment didn’t go through?
When will my coverage begin?
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?
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.