Questions & Answers
Question: What doctor and hospital can I use?
Answer: This is a traditional plan which allows you to use any doctor or hospital. If the doctor accepts any of these networks found here <click> you get a discount and the doctor will file the claim for you. If the doctor isn't part of those panels just send the claims to my office for process.
Question: Why is this plan so much less expensive than other insurance plans found on your site as well as other insurance sites?
Answer: 1st, insurance rates are regulated by the state insurance department. Nobody can offer you a lower rate than what I can because the state regulates these rates. 2ndly, step into the shoes of an underwriter for a moment and think like one as I proceed here. The public needs a less expensive program, so how do I (as an underwriter) design a plan that does not cheat actuarial tables that predict risk & necessary premiums? You design a plan to accommodate a large populace of healthy individuals. You design it to provide coverage for health conditions that happen
after the insured’s effective date. You design it not to cover prior health conditions. This lowers the risk and transference of "load" to your premiums that you have to charge everyone.
Question: Isn't that unfair for people that have bad health?
Answer: Yes, but it is also unfair to charge a larger populace of healthy individuals a higher premium because of the fewer unhealthy. Remember, there are other insurance programs available for individuals with serious health conditions with in my web site and their state of residence.
How would my prescriptions be covered?
Answer: This "type" of policy provides coverage for major prescriptions that you have
not used before. It is applied towards the deductible than you pay 20% of any difference assuming you haven’t met the deductible. This policy
cover pre-existing medications. Check my site for other policies that will possibly provide coverage. Keep in mind the premiums will be more than this type of policy.
Question: I see this policy provides coverage period of a maximum of 6 months. What if I want to extend the coverage beyond that?
Answer: You simple re-apply at the end of your 6 month term on my web site for another 6 month term. Remember you control how long or short you keep this policy because you pay for it from month to month. The insurance company gives you a 6 month term for your deductible and no rate change. New IDs will arrive shortly after you reapply.
Question: If I reapply for a new term than, would I have to meet a new deductible?
Answer: Yes you would because it is a new 12 month policy.
Question: Will the rates change when I reapply?
Answer: The rates could be different but not by a large margin. Remember, this policy is designed to be low cost.
Question: What happens if I get pregnant while on this policy?
Answer: This policy does not provide basic or regular maternity coverage. You would need to apply for a different program at the time of conception. We have many options available.
Question: What if I have a life threatening disease that develops in the
12th month of the policy and I need to reapply? Won't I be declined now?
Answer: Yes you would be declined with this type of plan. We would need you to apply with another program and we assist you with that.