It’s time for answers.
We work with many different insurance companies in all nationwide, and pride ourselves in our ability to help you find the best plan for the lowest possible price. Remember we work for you not the insurance company.
Q Do we charge you any fees?
[+] ExpandAnswer: None whatsoever! Our service is completely free to you. You come here looking for a quality insurance policy you can afford. We find an agent that has that policy available.
Q How do I purchase insurance?
[+] ExpandAnswer: We make the process simple. We have numerous agents that can search what products are available to you. The agent will then submit everything on your behalf and our customer service team will follow up within 48 hours with any outstanding items. The entire process is handled for you form the comfort of your home or wherever you may be.
Q Is my information secure?
[+] ExpandAnswer: We take personal privacy very seriously. Never will we sell your information to a third-party source. You won’t receive hundreds of spam emails. We know how annoying those are! Your information is only provided to insurance agents licensed in your state.
Q Insurance Terminology:
[+] ExpandPremium: The monthly fee you pay to the insurance company each month in order to keep your insurance benefits active. Non-payment may lead to a termination of the policy and a lapse in coverage.
Deductible: This is the cost the insured is responsible for prior to insurance benefits kicking in. For example, if you have a $500 deductible, the insurance company isn’t responsible for paying your bills until you have paid $500 worth of expenses. In traditional co-pay plans, the deductible does not count towards Rx and regular doctor visits, although some plans require a separate deductible for Rx.
Co-Pay: A “co-pay” is simply your portion of the expense for prescription drugs or a doctor visit. It is called a co-pay because you are sharing the bill with the insurance company, although the insurance company usually takes on a greater percentage of the bill.
Co-Insurance: After the annual deductible (see above) is met, the insurance company begins chipping in for your major expenses. However, unless you have a 100{454db6a8f877f01274a722bdebc6b797a06b2d047bc0f801aa1aeb4cd57ae477} co-insurance plan, the insurance company only pays a percentage of the remaining expenses. Most co-pay plans are 80{454db6a8f877f01274a722bdebc6b797a06b2d047bc0f801aa1aeb4cd57ae477}-100{454db6a8f877f01274a722bdebc6b797a06b2d047bc0f801aa1aeb4cd57ae477}. The co-insurance percentage is the amount the insurance company pays. So if your plan is an 80{454db6a8f877f01274a722bdebc6b797a06b2d047bc0f801aa1aeb4cd57ae477} co-insurance plan, you pay 20{454db6a8f877f01274a722bdebc6b797a06b2d047bc0f801aa1aeb4cd57ae477} of the bill and the insurance company is responsible for 80{454db6a8f877f01274a722bdebc6b797a06b2d047bc0f801aa1aeb4cd57ae477} of it.
High Deductible Health Plan (HDHP): An HDHP is a less expensive form of insurance that has a high deductible. Typically, an HDHP does not cover any doctor visits, hence why the insurance premiums are cheaper. The benefit of an HDHP is they cost less per month and once the deductible is met, you pay nothing more (although some even cheaper HDHP’s do not have 100{454db6a8f877f01274a722bdebc6b797a06b2d047bc0f801aa1aeb4cd57ae477} co-insurance).