How do I know
what Health Insurance Plan is best for me?
Let us help you find the best plan for your
needs. Many sites want you to sign up online
and not "bother" them on the phone. Not us!
We would love to discuss the options with
you in person, on the phone, over a "web
appointment" and make sure you understand
the ramifications and benefits of all the
options.
Can't I just go straight to the Insurance
Company?
Yes you can. However, when you do the
Companies then pass the referral to us as
agents. Independent agents like use serve as
the marketing arm of the Insurance
Companies. The Companies compensate us for
the time we take finding, serving and
processing paperwork for applicants.
Are the Rates more to go with an
Agent?
No. The rate is the same if you apply
straight to the company or use an agent. No
one can give you a higher or lower premium.
What we offer is 14 years of experience in
the Insurance industry. We know the plans
inside and out. We can help you find the
best options for your specific case.
Do I have to pay the agent a
commission?
No. There is no fee for the service of an
agent. The Insurance companies compensate us
based on how many clients we "bring to the
table" and help get a policy.
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Aren't there
any health plans that include maternity?
Yes, there are a few. Some companies we
represent offer a separate maternity rider.
Assurant
Health
for example allows you to select a separate
$2,500 , 5,000 or even a $10,000 maternity
deductible as a rider to your medical
plan. The Problem? It can be a little
"pricey" and most people find a better
option through our supplemental plans.
SelectHealth (IHC)
currently includes a $6,500 maternity
deductible before covering maternity at 100%
(as of Oct 2009) and we hear that is going
up in 2010.
Blue Cross Blue Shield
still includes a $5,000 maternity "Copay"
before covering maternity at 100%. For this
reason we recommend purchasing
supplemental maternity policies.
in addition to your health insurance plans.
However, having
supplemental maternity policies
while using an
HSA Health
Plan
can affect the
tax deductibility of your
HSA plan,
so let us help you consider all the options
before you "jump" into it.
What if I have a medical condition. Can I
still apply?
Yes. But sometimes the companies will
decline coverage or rate the premium a
little higher to cover the condition or
medication. Our 14 years of experience
allows us to advise you on the plans that
will be best for your specific condition.
So what if I am turned down. Then
what?
In the rare case of a decline, we still have
options to get you covered. For example in
Utah there is a State of Utah Health
Insurance Pool (HIP Utah) that will cover
any who cannot get coverage on a traditional
health plan. See HIP Utah
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