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FAQs
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What is an FAQ section?An FAQ section can be used to quickly answer common questions about your business like "Where do you ship to?", "What are your opening hours?", or "How can I book a service?".
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Why do FAQs matter?FAQs are a great way to help site visitors find quick answers to common questions about your business and create a better navigation experience.
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Where can I add my FAQs?FAQs can be added to any page on your site or to your Wix mobile app, giving access to members on the go.
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What are the Advantages of a PPO?Advantages Do not have to select a Primary Care Physician. You can choose any doctor you prefer but offers discounts to those within their preferred network. No referral is required to see a specialist. More flexibility than other plan options.
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Is it illegal to not have health insurance in the US?Health insurance coverage is no longer mandatory at the federal level as of Jan. 1, 2019. Some states still require you to have health insurance coverage to avoid a tax penalty.
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In what states is health insurance mandatory?As of 2022, only five states (California, Massachusetts, Rhode Island, New Jersey, and Vermont) and the District of Columbia require all eligible residents to declare annual proof of health insurance coverage on state taxes.
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When is open enrollment through Marketplace?Open Enrollment for 2023 runs November 1, 2022- January 2023
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What if I have employer coverage?Some employers are flexible with adding or dropping coverage while others are not. In some cases, it may make sense to move you to another plan and/or split a family into separate options.
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What if I missed Open Enrollment?If you've missed open enrollment and still need health insurance, we can help. You may be a great fit for our Private PPO plans or supplemental insurance options.
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What makes you different?I have a 20-year background in consulting and helping others. In my prior role, I assisted laid-off workers to understand FREE benefits and services available through Workforce Solutions and the Department of Labor. Ironically, I eventually found myself on the same layoff line due to a mass company layoff. We can relate firsthand and work to ensure others understand all resources and options available. In addition, we have built amazing referral partnerships to assist our customers.
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How much does health insurance typically cost individuals, families, and small businesses?The cost of health insurance can vary widely depending on factors such as age, location, coverage options, and the number of individuals covered. We work with you to find a plan that fits your budget and needs.
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What factors can affect the cost of health insurance premiums?Factors such as age, tobacco use, location, plan type, and the number of people covered can all impact the cost of health insurance premiums. Additionally, your health history and the level of coverage you choose can also affect costs.
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Are there any discounts or financial assistance programs available for health insurance premiums?There are often discounts available for non-smokers and those who participate in wellness programs. Additionally, depending on your income level, you may qualify for subsidies through the Affordable Care Act (ACA) to help lower your premiums.
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Can I keep my current healthcare provider if I switch to one of your health insurance plans?We work with a broad network of providers, but it's essential to check if your preferred providers are in-network. We have access to amazing PPO plans; we can help you explore all of your available options.
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How do I know if a specific medical service or procedure is covered by my health insurance plan?Your plan documents will outline what services and procedures are covered. We can also help you understand your coverage and provide information on how to verify coverage for specific services.
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What is the process for filing a health insurance claim, and how long does it typically take to receive reimbursement?The process for filing a claim varies by insurer, but it generally involves submitting a claim form along with any required documentation. Reimbursement times can vary but are usually processed within a few weeks.
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What happens if I need to see a specialist or receive medical treatment outside of my network?Some plans offer out-of-network coverage, but it's important to understand the costs involved. We can help you navigate these situations and explore options for obtaining the care you need.
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Are there any restrictions on pre-existing conditions or chronic illnesses with your health insurance plans?We can help you find a plan that meets your needs, even if you have a pre-existing condition.
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What options are available for prescription drug coverage with your health insurance plans?Our plans often include prescription drug coverage, but the specific medications covered can vary. We can help you understand your options and find a plan that meets your prescription drug needs.
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Do your health insurance plans include coverage for preventive care, such as annual check-ups and vaccinations?Yes, our health insurance plans typically include coverage for preventive care services, such as annual check-ups, vaccinations, and screenings.
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How does your agency stay up-to-date with changes in the healthcare industry that may affect my coverage?We stay informed about changes in the healthcare industry through ongoing education, training, and communication with our network of insurance providers. This provides you with accurate and up-to-date information about your coverage.
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Are any additional benefits or perks included with your health insurance plans, such as gym memberships or wellness programs?Some of our plans may include additional benefits or perks, and wellness programs. We can help you explore these options and find a plan that meets your needs.
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What is the process for renewing my health insurance plan each year, and are there any changes I should be aware of?The renewal process varies by insurer, but we can help guide you through it and ensure that you are aware of any changes to your coverage or premiums.
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Do you offer any resources or support for managing healthcare costs, such as negotiating medical bills or finding lower-cost prescription medications?Yes, we can provide resources and support for managing healthcare costs, such as tips for negotiating medical bills and information on finding lower-cost prescription medications.
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What is your agency's policy on customer privacy and data security when handling sensitive health information?We take customer privacy and data security very seriously and adhere to strict guidelines to protect your sensitive health information. Our agency is compliant with all relevant privacy laws and regulations to ensure your information is safe and secure.
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