Frequently Asked Questions

Business insurance and Employee Benefits

How many people does it take to have obtain group insurance?

This varies by state; most states require 2 full time employees to have a group.

Is group insurance more expensive than individual insurance?

Typically yes, there are a number of factors that are involved with group insurance. There are usually 4 main components that cause group insurance to be higher.

When group insurance is offered it is required to take all eligible employees, dependents and health conditions. Rates are determined on group size, and medical conditions within the group.

Is maternity covered?

Yes, maternity is covered.

Are mental health and substance abuse covered?

Yes, mental health and substance abuse are covered.

We understand healthcare.

We are a full-service insurance agency. We offer a professional approach to meet the insurance needs of businesses. We offer a FREE, no obligation consultation to review the current solutions, benefits and policies of your business.

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Individual Insurance

Are rates higher if I use an Agent/Broker?

No. Rates are regulated by the department of insurance in each state. The rates are the same if you purchase from a broker or directly from the company. When you have a broker, you have someone who is knowledgeable in the industry, stays abreast of the changes within the industry, will provide service and will have annual reviews of your insurance programs. We are a full-service agency who provides all of the above services!

Is coverage guaranteed & automatic?

No. All applications are subject to underwriting.

What consists of "underwriting"?

First an application is taken. Generally, the insurance company will conduct a telephone interview for the member and any eligible dependents. The telephone interviews are random. It is up to underwriting if additional information such ordering medical records, or a paramedical exam is needed.

How do I submit an application?

Applications can be submitted on paper via fax or online applications. You may obtain all information thought our office. We will provide the links to online applications

How long is the underwriting process?

Underwriting can take anywhere from 48 hours to 3 weeks for health insurance. If underwriting is for life insurance, it can take 6-8 weeks.

Is maternity covered?

Typically, no, but varies by state.

What happens to my personal info if I no longer want insurance?

The information is kept on file for 6 weeks and then destroyed.

Am I locked into a contract?

No. The rates are locked in for 6 or 12 months depending on state you reside, and plan/company chosen. You may cancel your insurance at any time. Most companies require 30 days notice in written form.

We understand healthcare.

We are a full-service insurance agency. We offer a professional approach to meet the insurance needs of businesses, individuals, and seniors. We offer a FREE, no obligation consultation to review the current policies of your business and personal needs.

Schedule A Consultation

Medicare

Is Medicare Automatic?

In order to receive Medicare benefits you must be Part A & B eligible for coverage. You must contact Social Security to apply for Part B. Once a person has Part B then they are eligible for Medicare coverage and supplemental insurance.

How often do the rules change for Medicare?

Changes to Medicare happen each year. Please check with one of our agents for specific questions about Medicare or you may access www.medicare.gov

We understand Medicare.

We are a full-service insurance agency. We offer a professional approach to meet the insurance needs of seniors. We offer a FREE, no obligation consultation to review the current policies of your personal needs.

Schedule A Consultation