Frequently Asked Questions

Here is a list of questions we are asked most often. If your question and answer is not listed here, please feel free to call us at 1-800-722-7331, or contact us online.

We are thinking about starting a family. Will my health insurance automatically cover maternity expenses?

Maternity expenses are not always immediately covered by health insurance. Check your insurance policy or ask an insurance professional for help. Generally, you will pay higher monthly premiums if you add maternity coverage to a healthcare plan.

Return to Top

I think a traditional, indemnity health insurance plan is the best choice for me, but I'd like to control my premium cost. Is there anything I can do?

Most indemnity plans and preferred provider organization plans offer a range of annual deductible choices. By choosing a higher annual deductible, you can most likely reduce the amount of your monthly premiums. However, keep in mind that your personal finances must enable you to meet the higher deductible.

Return to Top

I have been diagnosed with a medical condition that will be with me throughout my life. I'm thinking about buying individual healthcare insurance. Will my plan cover my treatment?

You have what insurers call a pre-existing condition. In the past, healthcare plans could impose waiting periods for pre-existing conditions. A recent federal law, the Health Insurance Portability and Accountability Act (HIPAA), changed this practice. Now, the longest you would have to wait to receive treatment would be 12 months from the time you join a new healthcare plan. However, there are still types of care or services that plans won't pay for, so read a policy carefully to learn about what treatments may be excluded from coverage.

Return to Top

I am trying to decide whether to purchase a Health Maintenance Organization (HMO) plan. How can I find out which doctors I'll be able to visit?

HMOs and Preferred Provider Organizations (PPOs) have lists of doctors, hospitals and other medical facilities with which they contract. (In some cases, physicians may be employees of the HMO.) Ask the insurance company for a copy of the provider list or booklet for your area. You would then choose a primary care provider from this list.

Return to Top

I see a chiropractor twice a month. Do health plans cover these visits?

Coverage for chiropractic services, and other treatments that may be considered alternative, may or may not be covered. It is important to read the insurance policy to find out if a specific policy covers these types of services.

Return to Top

I purchased a healthcare plan last week, and now have decided I don't want it. What can I do?

Most insurance companies include a free look clause in the health insurance policy. Generally, you have 10 days to review the policy. If you decide to return it within that time frame, any premium you've paid should be refunded.

Return to Top

Will I save money if I buy health insurance directly from an insurance company?

No. The premium is the same whether you buy from an insurance agent, broker or directly from the insurance company.

Return to Top