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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?
> What is a Business HSA?
> How does a Business HSA work?
> How does a Health Savings Account work?
> How do I explain a Business HSA to my employees?
> What are qualified medical expenses?
> What insurance plans are HSA-eligible?
> 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?
 
> 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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