Insurance Questions and Answers
How do I save money with the Insurance Benefits?
Benefit counselors in most cases find policies that are less expensive than your current premiums. In some cases they will package multiple products together to save you money and "build" you a customized plan.
How do I know if I can use my preferred doctor with this program?
Depending on the product, your benefits counselor can perform a “physician look up” to see which doctors are in your network. Some insurance plans offered allow you to go to any doctor through an “open access plan”.
What carriers are available?
Only offers “A+”, “A”, and “A-“rated” carriers by A.M. best ratings. Insurance products are from such companies as Assurant, Humana and many more (may vary from state to state).
Do I qualify with a pre-existing condition?
Some plans are available regardless of pre-existing conditions.
Do I have to qualify medically?
Only for major medical. All other benefits are guaranteed to issue, even limited medical plans.
Can I get coverage for my whole family?
Is there a waiting or qualifying period?
No. Enroll at any time.
Can I get life insurance, vision or dental?
How can a benefit counselor help me if I live in NY, NJ, WA, MA, HI, ME, VT or RI?
Although these states require individuals to apply directly with mandated carriers for major medical coverage, a benefits counselor can still offer other valuable products including guaranteeing to issue limited medical insurance, life insurance, dental/vision, and accident/short term disability insurance.