Common Questions

Do you offer free consultations to your customers?

YES!! There is no cost associated with our services. All you pay is the premium(s) for the plan(s) that you choose. 

How is your business different from other agencies?

We pride ourselves on doing what is right for the customer. No two solutions are ever the same.

Why do I need Health Insurance?

When you have health insurance, many of your expenses are paid when you receive preventive care services, such as yearly checkups and regular screening tests. Many medical providers and health plans will even remind you when you need preventive care. It is important because preventive care often makes it possible to identify any health concerns early, when there is plenty of time to treat the concerns and preserve your good health.

Health insurance can shield you from overwhelming financial strain, too. While medical providers keep costs down as much as possible, they are not able to completely eliminate high medical bills, especially with major illnesses or in the event of an emergency. If you have health insurance, you will have a great deal of assistance with covering your medical bills.

These two benefits—greater control over personal health and fewer medical expenses—are also offered to your family when they are a covered dependent under your health plan.

What is the difference between a calendar year and a plan year?

A policy on a calendar year runs from January 1–December 31. Items like deductible, maximum out-of-pocket expense, etc. will reset every January 1st. A policy on a plan year (also called benefit year) runs for any 12-month period within the year. Items like deductible, maximum out-of-pocket expense, etc. will reset at the plan's renewal date. For example, ABC Company renews on July 1 every year. Your deductible would start July 1 and end on June 30. The deductible would reset every July 1 for ABC Company members.

What does ACA mandated health insurance cover?

The federal Affordable Care Act now requires that all health plans offered in the individual and small group markets must provide a comprehensive package of items and services, known as Essential Health Benefits.

These benefits fit into the following 10 categories:

- Ambulatory patient services - Emergency services - Hospitalization - Maternity and newborn care - Mental health and substance use disorder services, including behavioral health treatment - Prescription drugs

- Rehabilitative and habilitative services and devices - Laboratory services

- Preventive and wellness services and chronic disease management - Pediatric services, including oral and vision care.

 

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