Frequently Asked Questions
INSURANCE PLANS FAQS
Insurance can be complicated. We are here to answer your questions and help you find the right insurance coverage for your unique situation.
What should I ask an agent when I call about my insurance needs?
The following question will help the agent to determine which insurance plan will fit your needs:
- How much is my annual out-of-pocket cost for health insurance?
- Is this managed care or an indemnity plan?
- Will this plan include vision/dental/hearing coverage?
- Is there a copay? If so, what will it be? Will it be the same amount to visit a specialist?
- Can I keep my current providers?
- Are preventative services and annual exams covered?
HEALTH INSURANCE FAQs:
Q: Why do you need health insurance?
A: The intent of health insurance is to help you cover your medical expenses. Health insurance offers financial protection should you experience a detrimental injury or unsuspected illness that could be very expensive. Another benefit of health insurance is that you and your loved ones are more likely to get routine checkups and preventive care.
Q: Can I find an affordable health plan?
A: There are so many options for health insurance plans. We will work with you to find a plan that fits your budget.
Q: How do you get health insurance?
A: Most people qualify for health insurance through their employer’s group insurance plan. Self-employed individuals and others who do not have access to group insurance plans can also purchase individual insurance plans. Many Americans also receive coverage from government health insurance programs such as Medicare, Medicaid, and programs run through the Veterans Affairs office.
Q: What happens if you have health insurance through your employer and leave your job?
A: Under the Consolidated Omnibus Budget Reconciliation Act of 1985 (commonly known as COBRA),
DENTAL INSURANCE FAQS
Q: What is Dental Insurance?
A: Dental insurance is intended to help you cover the cost of your dentist appointments. This insurance type has long been separate from health insurance and is often sold in conjunction with vision insurance.
Q: Do I have to go through my employer for dental insurance?
A: It’s common to go through an employer for dental insurance but it isn’t necessary. There are other ways of obtaining dental insurance for your oral health needs.
VISION INSURANCE FAQS
Q: What does my vision plan cover?
A: Most vision plans will cover the cost of an annual eye exam and prescription glasses. There is typically an annual fee and a copay with this kind of insurance.
Q: What’s the difference between vision insurance and a vision discount plan?
A: Vision insurance typically requires you to pay an annual fee and a copay with your eye doctor visits. Vision discount plans require you to pay out of pocket for all services while receiving a predetermined discount.
HEARING INSURANCE FAQS
Q: What is hearing insurance?
A: Hearing insurance is commonly bundled with vision and dental insurance offerings, as the cost of hearing aids is not typically covered by health insurance. Hearing insurance plans will help cover the cost of an annual hearing test and partial cost of hearing aids if they are needed.
Q: Will Medicare cover the cost of my hearing aids?
A: No, Medicare will not cover the cost of hearing aids. You will be responsible for 100% of the cost
