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Frequently Asked Questions
Do I pay more when I apply through a licensed Life & Health Insurance Broker/Agent?
No, you pay the same, the companies pay either an inside or outside agent.
Why should I go through an agent?
You get an objective point of view from a Broker who represents multiple companies.
Good brokers are also good personal advocates
who will tell you the ‘good & bad’ of each company or policy & assist you in resolving disputes or problems.
How will Life & Health Insurance help me?
Life & Health Insurance help protect your assets & most often gives you more choices & quality of care.
How can I afford good Life & Health Insurance?
First, decide the monthly premium you can budget.
That will most often determine the coverage amounts suitable for you.
What plans are right for me?
That depends on your past experiences, expectations, health conditions, comfort levels & affordability.
How many plans are there?
Too many to mention in this space!
What is an HMO?
An HMO is a Health Maintenance Organization.
You choose a PCP (Primary Care Provider), he/she decide when you need a referral to a specialist.
An HMO has no deductible, only co-pays which apply as you use the plan.
They often give you more for your money, but you often have less choices.
What is a PPO?
A PPO is a Preferred Provider Organization which gives a broader choice of providers & ease of usage.
You get either a printed directory or a web address which provides a list of all providers who are
contracted to give special pricing to members of these organizations.
No referrals are necessary.
What is a Deductible / Co-Insurance?
A deductible is the agreed upon amount you pay before the insurance company pays.
Co-Insurance is the percentage you pay after the deductible is satisfied.
What is EME?
EME is the Eligible Medical Expense the Insurance Company will pay for under the terms of the policy.
Pay attention to the Limitations & Exclusions that must accompany a policy.
What is OOP?
OOP is your Out-Of-Pocket expenses.
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