Frequently Asked Questions

We're here to help! Browse the most common questions or search below.

Can I get a PPO?

This varies based on where you live in the United States. Different regions have different statutes regarding PPOs. If you are in doubt about whether you need a PPO, or which plan is the best plan if you need a PPO, it might be best for you to speak to a professional...

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I just lost my job. Can I get coverage now?

Different plans may offer immediate coverage, but generally speaking…. Yes, you can! Your selection of options may be limited, but you should be able to find a new health insurance plan that will provide coverage as soon as you need. If you need help finding the best...

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Will my prescription (RX) medications be covered?

Different plans, and different insurance providers, use varying methods to determine which, if any, prescription medications their insurance plans will cover. These formularies can be specific to each individual plan, and as such, it is never possible to know if a...

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Is my doctor in my network?

Different plans utilize different methods to determine their network coverages. Insurance providers set their network limits, and so your new plan will potentially have different requirements for including or excluding doctors from the plan. If you need help...

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Does my health insurance plan cover vision?

Coverage for vision care may differ from plan to plan. There are plans that offer vision coverage, and others that do not. It entirely depends on which plan you decide to purchase, or from which company you decide to purchase your new health insurance. If you need...

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When and how do I pay for my premium?

Generally speaking, many insurance plans have options for clients to pay their premiums by automated bank draft, credit card, or other popular payment methods. Different insurance plans have different requirements and options, so your final payment method and...

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Will my plan cover allergy testing?

Many health insurance plans offer different coverages designed to cater to different needs and requirements. Some specific plans offer coverage for allergy testing and associated treatment options. Other plans do not offer this particular coverage. If you, or your...

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Will the plan cover annual check-ups?

The coverages included in each plan are set individually by the plan providers or companies. Some plans do include coverage for annual check-ups and other wellness services; other plans do not provide these services. It depends entirely on the plan you choose to...

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Will options and coverage be the same plan to plan?

Many options and coverage areas are set individually by the plan providers and companies. Things like co-pays, annual check-up coverage, allergy testing, gastric bypass surgery, vision care, dental care, prevention services like vaccinations, and prescriptions are...

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Will the plan cover all my prescriptions?

The plan you choose to purchase is unique in its offerings and coverage areas. Prescription coverage is individualized by each insurance carrier. Insurance providers use their own distinct formularies to determine the pricing of coverage on prescription medications....

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How soon can I get covered?

The easy answer is: that depends on the plan that you have selected to purchase. The longer answer is: there are many plans that provide coverage soon after purchase. There are even plans that provide coverage the next day after purchase. Some health insurance plans...

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Does it cover maternity care?

The easy answer is: it depends on which plan you choose. To help you choose the best plan to fit you, which can include maternity care if that is something you require, we recommend you speak to a health insurance professional. Maternity care is often defined as...

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What about pre-existing conditions?

Health insurance plans have a plethora of variables to take into account, and personalization for your individual needs is a priority concern for many underwriters. That being said, some health plans do allow pre-existing conditions, and others do not. Coverage for...

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What hospitals can I go to?

That all depends on what type of plan you purchase. Some plans have much larger coverage networks than others. It is recommended that you check with an insurance professional or broker to ensure you get the best answers for your situation. Many insurance plans do...

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Does my doctor accept this insurance?

Working with doctors can be a funny thing. They can choose to opt in to (or out of) networks whenever they want. The best way to find out if your doctor will take a specific insurance plan is to check with an insurance broker. Having an insurance broker do the...

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