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Health Insurance Questions

> Buying insurance through us

> What kinds of services do you provide?

> What kinds of products do you offer?

> Will using your service cost me anything?

> How do you protect my private information?

> Do you offer health insurance in my state?

> Why should I shop with you rather than buying an insurance plan elsewhere?

> Do you offer the best prices?

> How can I view quotes and shop online through your website?

> If I apply an insurance plan, am I obligated to buy?

> Can I check the status of my application?

> How do I finish my application?

> Can I contact someone if I need help?

> Individual and Family Health Insurance

> What is individual and family health insurance?

> What kinds of individual and family insurance plans are available?

> How does a PPO plan work?

> How does an HMO plan work?

> How does a POS plan work?

> How does an Indemnity plan work?

> How does an HSA work?

> What is a co-payment?

> What is a deductible?

> What is coinsurance?

> What is the difference between in-network and out-of-network providers?

> What's the best health insurance plan for me?

> When can my coverage start?

> How can I insure just my child?

> Why should I shop with you rather than buying an insurance plan elsewhere?

> How do you protect my private information?

> When I buy an insurance plan, how do I make payments?

> If I apply for an insurance plan, am I obligated to buy?

> Do you offer the best prices?

> Can I contact someone if I need help?

> Small Business Health Insurance

> General Insurance Questions

> What are the benefits of providing group health insurance to my employees?

> How are costs typically split between the employer and the employee?

> Is buying group health insurance tax deductible

> How do I know if my company qualifies for group health insurance?

> What types of group health insurance plans are available?

> How does an Indemnity plan work?

> How does a PPO plan work?

> How does an HMO plan work?

> How does a POS plan work?

> What is a Health Savings Account (HSA) and how does it work?

> What is the best health insurance plan for my company?

> What are "benefit riders?"

> What is a "Risk Adjustment Factor (RAF)?"

> What is "term life insurance?"

> How do ZIP codes affect group health insurance rates?

> Can I contact someone if I need help?

> Entering Company Information

> Our company consists solely of my spouse and me. How should we complete these fields?

> Should I include employees who don't want insurance?

> What if I don't know all the information I need to complete these fields?

> Why should I enter the employee names?

> Who is eligible to enroll under a small business health insurance plan?

> Can I save my work and return to complete it later?

> What are my next steps?

> Comparing Insurance Plans

> Can I refine my search results?

> Can I compare some of these health insurance plans in more detail?

> I see multiple listings for the same insurance company. Are these duplicates?

> Do these rates represent my final group health insurance costs?

> I'm only seeing the Estimated Total Cost. Where do I find the rates for each employee?

> Are these rates different from those quoted by the insurance companies or other agents?

> My company already has a policy with one of these insurance companies. Are we eligible for the rates quoted here?

> Do these rates include dental coverage?

> Can I save my work and return to complete it later?

> What are my next steps?

> What is a "multi-plan"?

> Reviewing Benefits

> Am I obligated to buy this health insurance plan if I continue through the application process?

> Why would I want to change the employer contribution level?

> When will I know my group's final costs?

> How do I change the Employee Information?

> How do I change the Requested Effective Date?

> How do I change the Employer Contribution?

> How do I add other benefits, such as a dental or vision insurance plan?

> What are my next steps?

> Comparing Additional Benefits

> Do I have to choose these additional insurance plans now?

> Employer Contributions

> What's the difference between employee costs and employer costs?

> Is the company required to contribute to the employee's benefits?

> When do I have to decide how much to contribute to the employee benefits?

> What are my next steps?

> Using the Account Center

> I haven't completed the application process yet, but I want a different plan. What should I do?

> Can I complete the enrollment process on paper rather than online?

> Do all my employees need to enroll online?

> One of my employees declined insurance by mistake. What should I do?

> I've already purchased my group health insurance plan. Can I make alterations to my policy?

> What do I do if one of my employees leaves the company, gets married, or has a child? What if I hire a new employee?

> Employer Enrollment

> What if I don't know all the information requested for an employee?

> Why does my email address appear next to the employees' email address field?

> Why do I need to include the names of eligible employees who do not want insurance?

> Why can't I edit the information of some of my employees?

> Short-term Health Insurance

> What is short-term health insurance?

> Why would I want coverage for a limited amount of time?

> What happens when I reach the end of my coverage period?

> What if I only need coverage for less than 30 days?

> How soon can my coverage start?

> How will I know if I qualify for short-term health insurance coverage?

> If I don't qualify for short-term coverage, will my credit card still get charged?

> If I apply for an insurance plan, am I obligated to buy?

> Do short-term health insurance plans include dental and vision benefits?

> Should I pay monthly or make a single payment up front?

> How can I insure just my child?

> What if I get a standard, longer-term insurance policy at a future date?

> Will purchasing a short-term insurance plan make it harder for me to get coverage in the future for a pre-existing medical condition?

> Do you offer the best prices?

> Can I contact someone if I need help?

> Student Health Insurance

> How can college students meet their needs with a Student insurance plan?

> Which doctors or hospitals can I visit?

> Do healthcare services need to be preauthorized?

> Who can purchase Student health insurance?

> If I apply for an insurance plan, am I obligated to buy?

> Are foreign exchange student eligible for coverage?

> Can I add my family members (spouse and dependents) to my policy?

> As a parent, should I purchase a Student insurance plan for my child, or cover them through my standard medical plan?

> Am I covered year-round, or just while school is in session?

> Will I be covered when I go out of state?

> What happens if I transfer schools?

> Will coverage be in jeopardy if I drop a class?

> If I graduate or drop out of school will I lose my coverage?

> How far in advance of the beginning of school can I apply?

> When does my coverage begin?

> How many times can the insurance plan be renewed?

> Can I contact someone if I need help?

> Dental Insurance

> How does dental insurance work?

> What kinds of dental insurance plans are available?

> What is the best dental insurance plan for me?

> What is a Dental PPO plan?

> What is a Dental Indemnity plan?

> How can I insure just my child?

> What is the difference between an in-network and out-of-network dentist?

> What's the difference between Dental insurance and Discount Cards with dental discounts?

> Do you offer the best price?

> Where are the other dental insurance plans that I am familiar with?

> Can I contact someone if I need help?

> HMO (Health Maintenance Organization)

> What is a Dental Network plan?

> Discount Cards

> What are Discount Cards?

> What's the difference between Dental insurance and Discount Cards with dental discounts?

> Is a Discount Card an insurance plan?

> How much money will I save?

> How soon can I start receiving discounted rates?

> How often may I use my Discount Card?

> Is there a transaction fee to use my Discount Card?

> Are the discounted rates the same for all network providers?

> How can I find a dentist near me?

> What if a network provider won't accept my card?

> Can I contact someone if I need help?

> Health Savings Accounts

> What is an HSA?

> Why should I consider getting an HSA?

> How does a Health Savings Account work?

> What are qualified medical expenses?

> What insurance plans are HSA-compatible?

> How much can I contribute to my HSA?

> Can I roll over funds from other accounts into my HSA?

> Is my money safe?

> How do I use the funds in my HSA?

> What are my investment options?

> How do the tax savings work?

> Are there fees associated with HSAs?

> Why should I get my HSA through eHealthInsurance?

> How can I get an HSA?

> Medicare Options

> What is Medicare?

> What is Medicare Supplement?

> Are there different types of Medicare Supplement plans?

> What does Medicare Supplement cover?

> Am I eligible for Medicare?

> When do I become eligible for Medicare Supplement?

> Why is open enrollment the best time to buy a Medicare Supplement policy?

> Do I need Medicare to purchase Medicare Supplement?

> Where can I buy a Medicare Supplement plan?

> Can my Medicare Supplement application be declined?

> Why does a single plan have different costs at different carriers?

> When is my open enrollment period?

> What is a guaranteed issue right?

> Can I switch Medicare Supplement plans?

> Do Medicare Supplement plans cover prescription drugs?

> What is my Medicare effective date?

> What do I do if I live in Massachusetts, Minnesota or Wisconsin?

> COBRA Alternatives

> What is COBRA?

> Is my employer obligated to continue my benefits under COBRA?

> Who is responsible for notifying me about COBRA?

> What if my employer ignores its COBRA obligations?

> What are Qualifying Events?

> What are not Qualifying Events?

> My employer has changed the health insurance plan it sponsors. Can I qualify for COBRA?

> My employer has filed for bankruptcy. Can I qualify for COBRA?

> Who is eligible for COBRA continuation of benefits?

> Are newborns and adopted children eligible for COBRA continuation of benefits?

> Can I choose one option for myself and a different one for my eligible dependents?

> How long do I have to decide whether I want to continue any or all of my benefits available under the COBRA continuation of benefits?

> I told my former employer that I did not want COBRA, but I've changed my mind. Can I still obtain COBRA?

> What plans are covered under COBRA continuation of benefits?

> What plans are not covered under COBRA continuation of benefits?

> Must I enroll in all of the medical, dental and vision plans under which I was covered as an active employee?

> What Happens to my Flexible Spending Account (FSA) and/or Dependent Care FSA?

> When does the COBRA continuation of benefits begin?

> How long do COBRA continued benefits last?

> Can I extend my COBRA coverage?

> What would cause my COBRA coverage to terminate early?

> When are my premiums due?

> How much will COBRA cost?

> Why is COBRA so expensive?

> How do I file a claim under COBRA?

> May I get insurance coverage outside of the COBRA continuation benefits plan?

> How do I cancel COBRA?

> My COBRA term is ready to expire, what should I do?

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