Frequently Asked Questions (FAQ)

What is a deductible?

A deductible is a specified amount of money that the insured must pay before an insurance company will pay an eligible medical claim.

When does my coverage go into effect?

Coverage is effective the day after enrollment is complete and payment has been processed.

What is co-insurance?

Co-insurance is the percentage of the cost of a covered health care service that the insured pays after the deductible has been met. For example, if you had 80/20 co-insurance, the insurance company would pay 80% of a covered health care service and the insured would pay the remaining 20% after the deductible has been met.

How do I enroll?

Click on quotes, and then put in the information for the product(s) you would like to see rates on.

We can also enroll you by phone, just give us a call and/or fill out the contact us form provided on the Contact Us page above, and one of our representatives will reach out to you to answer any questions you may have, and enroll you or your family in coverage.

What is short term health insurance?

Short term health insurace is major medical insurance for a predetermined period of time and can be applied for any day of the year, because there is no set open enrollment period. It can cover emergency care, office visits, hospitalizations, x-rays, lab tests, and other standard health needs. These price friendly plans have a variety of deductibles to fit any budget.

What is a limited med?

These plans offer fixed indemnity benefits that pay towards the cost of eligible medical expenses, with no deductibles or co-pays, while offering guaranteed acceptance.