| Q |
Does
using an agent cost me anything? |
| A |
No,
an agent should not be charging you for their services. |
| |
|
| Q |
Do
I have to use an agent to purchase health insurance? |
| A |
While,
you can do it on your own, it is better to use a knowledgeable
agent in order to fully understand the benefits, co insurance,
and deductibles and know what options you may have available
in your state. |
| |
|
| Q |
What
is an Individual Major Medical (an IMM) policy? |
| A |
An
individual major medical policy is medical insurance that you
would purchase on your own, not through an employer or the state. |
| |
|
| Q |
Do
I pay a higher price for the insurance if I use an agent? |
| A |
No!
The insurance price is the same whether you use an agent or
not, and the insurance company pays the agent, you don't! |
| |
|
| Q |
Can
one agent beat another agents price for the same plan? |
| A |
No!
One agent cannot save you money over another agent for the same
plan, unless they change something, insurance prices are regulated
by the insurance company, do not be misled!! |
| |
|
| Q |
Who
is GetMajorMedical.com? |
| A |
GetMajorMedical.com
is an independent insurance consulting firm, we have the most
knowledgeable agents and we represent the best insurance companies
in the country to provide you with the best plan at the best
price!! |
| |
|
| Q |
Can
I get insurance if I'm already pregnant? |
| A |
With
individual major medical insurance, if you are currently pregnant
or adopting a child, you will be automatically declined. You
may be able to get benefits through the state or from a place
of employment. **There is an alternate maternity coverage available,
as seen in the Wall Street Journal, CBS stock watch and on ABC.
Call us for more details. |
| |
|
| Q |
What
if I'm currently unemployed? |
| A |
You
can still get insurance |
| |
|
| Q |
What
is a discount health plan? |
| A |
A
discount health plan was created as an alternative to major
medical, as in, if you get declined or can't afford major medical
insurance; you can qualify for these types of discount plans.
The only problem is that unlicensed agents try to lead consumers
to believe that it is major medical insurance!!! Do not be misled!
While there are legitimate discount plans on the market, this
should never be your first choice!! Pleas call us for more details! |
| |
|
| Q |
What
is a pre existing condition? |
| A |
A
pre existing condition is any medical condition that you currently
have being monitored or treated or that you may be taking medications
for. It could be as minor as high blood pressure, allergies
and acid reflux or as major as cancer, stroke, pregnancy and
diabetes. |
| |
|
| Q |
What
is a rider? |
| A |
A
rider is a coverage and/or change added to a policy. |
| |
|
| Q |
Can
an insurance company discriminate against weight? |
| A |
In
most states unfortunately yes, you can be considered overweight
or underweight and therefore ineligible for certain insurance. |
| |
|
| Q |
What
if I recently came to this country, can I get insurance? |
| A |
If
you meet certain criteria you can, there is also international
insurance as well that may be an option. |
| |
|
| Q |
Should
I shop by lowest price when purchasing insurance? |
| A |
While
that may seem like a good idea, you can wind up with a limited
amount of benefits which in turn can leave you vulnerable to
extremely large out of pocket expenses, even bankruptcy. Don't
focus on saving ten dollars a month and then possibly run the
risk of spending more to use the insurance. Speak to an agent
who will guide you in the right direction. |
| |
|
| Q |
Do
I have to meet my deductible first before I can go to a doctor? |
| A |
Not
necessarily. These days, there are plenty of plans designed
so that you don't have to meet the deductible first, you can
use the doctor co pay right away or enjoy the network re-pricing. |
| |
|
| Q |
What
is Network Re-pricing? |
| A |
Network
re-pricing is a discount for costs involved in using the insurance.
|
| |
|
| Q |
What
is an HSA? |
| A |
A
Health Savings Account (an HSA) is a tremendous breakthrough
in affordable health insurance. Unfortunately most people, consumers
and agents alike are not very informed when it comes to understanding
and explaining the benefits. We happen to have an HSA expert
in our employ so please call us and we're sure you'll go for
an HSA qualified medical policy after the in-depth explanation
we can provide. |
| |
|
| Q |
Which
insurance companies are A rated, are BBB members and stable
over the long term and does that matter? |
| A |
Not
as many as you think and the answers may surprise you (call
for more information) and if you want to be properly protected
by the best insurance company, it matters!! |
| |
|
| Q |
What
is a risk category? |
| A |
A
risk category is a class that you fit into, based on height,
weight, tobacco use and or medications; this is how the insurance
company determines what price to charge you. |
| |
|
| Q |
Which
risk category do I fall into? |
| A |
There
are primarily three (this is a summary; other factors may
come into play):
|
| |
| 1. |
Preferred: |
No
medications or conditions, healthy, height/weight and
non smoker |
| 2. |
Standard: |
Includes
height/weight BMI (body mass index), medication use, and
still a non smoker |
| 3. |
Tobacco:
|
You
are currently use tobacco products or quit less than 12
months ago |
| |
|
|
|
| Q |
Does
the risk category affect my quote? |
| A |
Yes,
it can affect your price up to 35% in some cases. |
| |
|
| Q |
What
if I just quit smoking or just stopped taking medications and
an agent advises me to leave it off the application? |
| A |
That
agent is being unethical and potentially putting you at great
risk!!! It's in your best interest to be 100% up front, if you
aren't, and the insurance company finds out, your policy will
be rescinded (voided or cancelled), your premium will be refunded
and any claims that you may have will be unpaid and your resposibilty!! |
| |
|
| Q |
What
different companies and plan options are available in my state?
|
| A |
There
may be more companies available to you than you're aware of
and they may have very competitive pricing. This is why it's
beneficial to speak to an agent. |
| |
|
| Q |
How
do I save the most on my health insurance? |
| A |
By
getting exactly what you need!! In order to determine that,
you must speak to a licensed, knowledgeable agent who can guide
you through your options and allow you to make an informed decision.
|
| |
|
| Q |
After
I pay my deductible, am I fully covered? |
| A |
Most
people think they only pay their deductible, that's incorrect,
unless it's structured that way and most policies that are the
most popular aren't. You usually have to pay your deductible
and co-insurance before you're covered in full.(call for more
information) |
| |
|
| Q |
Do
random quotes showing up in my email really tell me all I need
to know? |
| A |
Random
quotes do not know your medical history. For instance, if you
smoke or take medications, that will change the price. Don't
be fooled by those prices. They can and most likely will change,
after you submit the policy. |
| |
|
| Q |
Is
it okay to purchase insurance over the phone? |
| A |
Absolutely!!!
As long as you use a reputable agent!! It's easy and these days
most people don't want a stranger coming into their home. |
| |
|
| Q |
Do
I have to give my billing information? |
| A |
Yes,
the one catch is that you have to pay for the insurance. ; )~ |
| |
|
| Q |
Do
I have to give my social security number? |
| A |
While
it is not always mandatory, it's actually better that you do
provide it, this will speed up the approval process and allow
the insurance company to make sure that everything is accurate. |
Get
a Quote Now!!
