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Health Insurance FAQs

Health Insurance Info


1. Why should I use a broker when I can buy online?
2. Will I need a medical exam to qualify?
3. When does my coverage begin?
4. Do I need to send a check with the application?
5. What if I smoke cigarettes?

1) Why should I use a broker when I can buy online?

The cost of the plan to you is exactly the same if you do it on your own or with advice. The biggest complaint we here is lack of service directly from the companies, though our biggest concern is unqualified customer services reps making recommendations about products they know little about.
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2) Will I need a medical exam to qualify?

No. And, no health questions are asked.
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3) When does my coverage begin?

Generally if you apply by the 15th of the month, you could have coverage start at the beginning of the next month. However, if you miss open enrollment, you'll have to wait until January 1 of the following year.
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4) Do I need to send a check with the application?

If you remit the first premium along with your application, most insurance companies will provide limited temporary conditional coverage during the application/underwriting process. However, there is no requirement that you submit a check with your application. The premium can be paid once the policy has been approved.
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5) What if I smoke cigarettes?

Rates for smokers can be 50% higher than for non-smokers.
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