Frequently Asked Questions
Are plans available in all states?
What information do I need before contacting you?
Are these plans medically underwritten?
Will group insurance cover part-time employees?
Can I pay for part-time employees' insurance?
Are different types of insurance available for administrative staff and part-time employees?
What plans do you offer?
Do you offer dental insurance?
What is an HSA and can I get one?
Why go with you? Can I get a discount?
How do I pick the best plan for me?
Is it hard to get a quote?
Can I afford insurance?
Do you insure a lot of people?
Are plans available in all states?
At this time health plans are available in all U.S. states, excluding Washington, Vermont and Hawaii. Plan designs may differ from state-to-state, depending on regulations and other factors.
What information do I need before contacting you?
If you have current health insurance, please have a copy of your current policy and insurance card available when you call. However, if this information is not available, we can still help you set up a new plan.
Are these plans medically underwritten?
Yes, all plans are medically underwritten.
I have a number of part-time employees. Will group insurance cover them?
Group insurance coverage is available only for permanent, full-time employees, as defined by your state. (Note: Full-time status requirements vary by state.) However, you can choose to “make available” individual health insurance to your part-time employees. This means that you give them information about the program, but you do not have any other interaction regarding their life or health benefits.
Can a part-time employee be covered under my group plan if I’m willing to pay the premium?
Most carriers do not consider part-time or seasonal employees as eligible for group plans. However, you can make available individual health benefits by referring your part-time employee to our program.
I employ both full-time administrative staff and part-time employees.
Are different types of health insurance options are available to both?
Yes. If state regulations allow, we’ll create a “management carve out” designing a group plan for permanent, full-time management and administrative staff; the carve-out is a group plan that requires your business to pay a portion of the premium. Outside of the group plan, an option to purchase individual health insurance will be made available to other employees.
What plans do you offer?
We offer group and individual insurance plans, as well as a full complement of services like life insurance, hospital indemnity and dental insurance. Both group and individual plans offer affordable health insurance with the security of a vast PPO (preferred provider organization) network; the primary differences between them are plan eligibility requirements and the party responsible for paying premiums.
Do you offer dental insurance?
Yes, we do offer dental coverage. Options include dental health insurance, including HMOs and PPOS, indemnity plans and dental discount cards.
I’ve heard a lot of people talk about an HSA.
What is it and can I get one with your plans?
Health Savings Account (HSA)-Qualified Plans let employees pay for qualified medical expenses with pre-tax dollars. An affordable alternative to the traditional co-pay option, an HSA is a specialized savings account linked to a high-deductible health insurance plan. An HSA-Qualified plan is a great option for employees who want to pay a small monthly premium, yet still have access to quality medical care. And, they can save money since they only pay for the insurance they actually use.
Why choose you over my local agent? Can I get a discount with you?
Federal and state regulations prohibit discounting or rebating health insurance rates, so if you simultaneously requested a quote from us and another company, assuming an apples-to-apples comparison, the quote should be identical.
That being said, it does pay to have us representing you. There is a lot of negotiating room available after the initial quote and, unlike independent agents, we have the ability to speak directly with key underwriting manages at our health insurance carriers. This level of access lets us work with the carrier to find positive solutions that help ensure affordable coverage. Your local insurance agent simply doesn’t have the resources to offer this level of service.
How do I pick a plan? Which is the best for me?
Thanks to our Needs Analysis process, deciding on an insurance plan is easy. An experienced program agent will call to discuss the type of coverage you want, the number of people you need to insure and your ideal budget for health insurance. We’ll then review the plan options in your state and make a recommendation based on your requirements. We’re with you every step of the way.
Is it hard to get a quote?
It’s easy to get a quote. For individual coverage, the quote process takes about 15 minutes to complete over the phone. For group coverage, your program agent needs a current employee census and a copy of your current health coverage form, if one’s available.
Can I afford insurance?
Our Needs Analysis process gives us the tools to customize a plan that best balances coverage and value. This is the hallmark of our business.
Do you insure a lot of people?
Since starting our Benefits Division in September of 2006, we’ve been able to help hundreds of businesses and families. Offering health insurance and other benefits is an important way to help business owners recruit and retain good people. A strong benefits program like ours can be a significant resource for business owners.
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