Frequently Asked Questions

We offer cost saving fully underwritten indemnity plans, traditional major medical plans, and guaranteed issue membership plans. Talk to one of our health insurance agents to discuss your healthcare needs and we will help find out which type of plan is the best fit for you.

No. These plans are alternative offerings to Affordable Care Act (ACA) marketplace plans. Our plans can be up to 40% cheaper than a non-subsidized ACA Major Medical Plan. Our plans are a great option for those dealing with higher premiums, or those individuals and families that do not qualify for government subsidies.

We have plan options for everyone! We specialize in singles, families, self-employed, and small/large business group plans. We can customize a plan to fit your budget and health insurance needs.

You can sign-up for these plans all year round (even outside of open enrollment).

• Underwritten Indemnity Policies: The underwriting process takes about one week before it can be issued and approved. These plans can start any day, and be set up to 60 days in the future.
• Traditional Major Medical Plans: These policies require enrollment before the 15th of that month in order to be effective by the 1st of the following month.
• Guaranteed Issue Membership Plans: These plans accept everyone and they are issued the following business day. You can sign up any day of the year, with no limitations.

Speak to one of our licensed agents and we can talk you through the process and go over which option is the best fit your situation!

Our cost saving fully underwritten indemnity plans go through the First Health Network. Their dental insurance go through the Carrington Network. Our traditional major medical plans allow you to choose which network you want to use. Their dental & vision plans are through the Humana Network.

We offer a variety of different carriers with different network options. Depending on which plan you choose, we can help verify if your preferred doctor is in-network.

A few of our plans cover pregnancy and prenatal care with co-pays as small as $500 after meeting your plan’s deductible. However, these plans do not cover you if you’re pregnant at the time of application. The pregnancy must occur after the policy’s start date. Contact us to learn more about which plans cover pregnancy.

Children/Dependents (individuals under the age of 18) must have a primary adult applicant on the policy with them. We cannot write child only health insurance policies. Children/Dependents can be enrolled on a primary’s health plan until their 25th birthday for our fully underwritten indemnity plans. For our traditional major medical plans, they can be on the health policy until their 26th birthday. After this age, they will need to purchase their own policy.

Dental and vision coverage is not included with our health plans. However, many of these plans have the option of adding dental and vision coverage with your health policy, or purchasing them as a standalone plan. Speak to one of our agents for more information.

All our plans have prescription drug coverage or prescription drug reimbursement. Coverage amounts can vary depending on the specific type of medication. Reach out to learn more about the prescription drug coverage for each plan and see if your medications are covered.

In-network providers have contracted with your insurance plan to accept a lower, negotiated rate for services, resulting in lower out-of-pocket costs. Conversely, out-of-network providers have no such contract, allowing them to charge full price, which leads to higher expenses.