Q: If
I change plans what will happen concerning my pre-existing condition?
A: As long as you change carriers and do not have a gap between
policies you need not worry. If there is a gap in covergage,
you might not be covered for up to 11 months. Remember, a pre-existing
condition is defined as anything you have been treated for in
the last 6 months.
Q: Which
is the best insurance carrier out there?
A: The best carrier for you is the one that has your doctors in
the network because all plans have their own network of doctors
and hospitals. If you stay in the network all you will have to
pay is the co-pays defined in your plan and will not have to worry
about what the doctors charge.
Q: Prices
keep going up, do you see an end in sight?
A: Prices have increased at a steady 10-12% every year. We track
pricing for all our carriers so that when your policy is up for
renewal we can recommend the carrier with the best pricing for
your service range.
Q: Is
an HSA (Health Savings Account) right for me?
A: HSA's are proving to be more popular as prices keep rising.
We place people into HSA's who go to the doctor rarely and are
tired of paying these high premiums. HSA's are not for everyone
though. The come with a very high deductable and you will have
to be prepared to pay out of pocket anywhere from $1,100 to $5,000
to cover the deductable.
