Learn About Insurance

Absolutely! With health care reform, there are no denials and pre-existing is covered on all major medical health insurance plans.

To be able to sign up for major medical, it must be during an open enrollment period or you must qualify for an exception such as a qualifying life event.

Health insurance usually includes a network of hospitals and providers that have agreed to provide services at a particular rate to the insurance company. Even if you haven't met your deductible, you will only be charged network-rates if you're using an in-network provider. You will see significant savings.

Keep in mind, many of the health plans on the exchanges are cheaper because they have a much smaller network. The chances that your doctor or a provider you use would not be in your network would be greater.

With health reform, you can now get free preventive care including tests and vaccinations. However, you usually must use an in-network provider to qualify for free services.

Complete List

• Abdominal Aortic Aneurysm one-time screening
• Alcohol Misuse Screening and counseling
• Aspirin use to prevent cardiovascular disease for men and women of certain ages.
• Blood Pressure Screening for all adults
• Cholesterol screening for adults of certain ages or at higher risk
• Colorectal Cancer screening for adults over 50
• Depression screening for adults
• Diabetes (Type 2) screening for adults with high blood pressure
• Diet counseling for adults at higher risk for chronic disease
• HIV screening for everyone ages 15 to 65, and other ages at increased risk
• Immunization vaccines for adults--doses, recommended ages, and recommended populations vary:
  • Hepatitis A
  • Hepatitis B
  • Herpes Zoster
  • Human Papillomavirus
  • Influenza (Flu Shot)
  • Measles, Mumps, Rubella
  • Meningococcal
  • Pneumococcal
  • Tetanus, Diphtheria, Pertussis
  • Varicella
• Obesity screening and counseling for all adults
• Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk
• Syphilis screening for all adults at higher risk
• Tobacco Use screening for all adults and cessation interventions for tobacco users

Yes, health care reform introduced the individual mandate. All individuals must have health insurance or be subject to a penalty on their taxes.

If you do not have minimum essential coverage past the enrollment period and do not qualify for an exemption or have a qualifying life event, you may be subject to the penalty.

For 2014, the penalty is $95 er uninsured person or 1% of household income over the filing threshold. For 2015, penalty is $325 per uninsured person or 2% of household income over the filing threshold. In 2016, it will increase to $695 per uninsured person or 2.5% of houlsehold income over the filing threshold.

There are several ways to avoid a penalty:

• Have a religious exemption.
• Cannot afford coverage based on formulas contained in the law.
• Have income below the federal income tax filing threshold.
• Are a member of an Indian tribe.
• Were uninsured for short coverage gaps of less than 90 days.
• Have received a hardship waiver from the Secretary or are residing outside of the United States, or are bona fide resident of any possession of the UNited Stated.

If you missed open enrollment, you may still sign up for major medical health insurance if you have a qualifying life event:

• Marriage or divorce
• Having a baby, adopting a child or placing a child for adoption or foster care
• Moving your residence, gaining citizenship, leaving incarceration
• Losing other health coverage Voluntarily dropping coverage or losing coverage that doesn't qualify as minimum essential coverage does not apply
• Having a change in income or household status that affects eligibility for subsidies Only for those already enrolled in marketplace coverage
• Gaining status as a member of an Indian tribe

Yes, they are. We have been crunching the numbers and looking at the insurance market as a whole. There are many alternatives that will give you better value.

For example, if you're healthy, sometimes paying the penalty and getting short-term insurance instead will be cheaper than an exchange plan.

There are many possibilities and every situation is different. Call us today at 1-800-257-1723 to discuss the best strategy to lower how much you pay out.

Politics aside, it appears that "Obamacare" is here to stay. Most people are seeing about 20% increase in premiums. Overall, you have three options. Read our detailed PDF for more information:

Read Renewal Options

Discount plans work by convincing dentists to reduce their costs for members. Discount plans offer referrals to dentists and in exchange, dentists lower their costs for those patients.

More dentists are choosing not to be part of discount plans since it means they will get paid less. The less they get paid, the more patients they need, meaning waiting weeks for an appointment and being rushed to do the work.

Dental insurance on the other hand actually pays your dentist cash. The dental insurance you quote on our site can be used at any dentist. It pays you or your dentist a fixed-rate per procedure so you know how much it'll cover ahead of time.

Absolutely! We only recommend the best insurance that's out there. The dental insurance you quote on our site can be used with any dentist; they do not have to be part of a network.

If your dentist does not want to deal with it, you can file the claim yourself and you will get the cash from the insurance company.

Dental insurance pays benefits for preventive and basic services. Basic services includes fillings, simple extractions, and anesthesia. There's also a plus major upgrade available to get benefits paid for crowns, inlays/onlays, endodontics, periodontics, and oral surgery.

Benefits usually begin the very next business day. If you apply for dental insurance during the 27th-31st of the month, it becomes effective on the 1st of the following month.

Plus Major upgrade benefits begin 6 months after your plan is effective.

Yes you do.. You get $100 for preventive care (cleanings, x-rays, exams) for up to 2 visits per year per insured.

The second visit must be at least 5 months (150 days) after the first visit.

Suite Solutions is a product by Assurant Health which combines critical illness and accident coverage. It can not be sold standalone, it is an add-on for their major medical and health access plans.

It's all about underwriting. Critical Illness from Assurant Health is underwritten; which means there will be health questions and you might get denied.

With Suite Solutions, there is no underwriting; so no health questions and no worries of getting denied.

Simple, if you have an injury from an accident, you pay a small $250 deductible and the insurance will pay the rest of the covered charged up to the coverage amount you selected.

If you're diagnosed with a critical illness (cancer, heart stroke, renal failure, coma, major organ transplant, loss of sight/speech/hearing or paralysis), you will get paid a fixed-cash amount.

Many unexpected medical expenses are related to accidents and usually bills are not high enough to go beyond your deductible. Having accident insurance is a great form of gap insurance for high deductible health insurance.

If you end up in the hospital due to an accident, you pay a small $250 deductible, and the insurance covers the rest of the covered charges up to your coverage amount.

Yes, a small $250 deductible per accident. A lot better than the more traditional health insurance deductible of $2,500 to $5,000.

Yes, unlike some other accident insurances, this one gives you coverage while you're on-the-job. Coverage is 24hrs a day; while you are at home, on vacation, or at work.

Yes, there's one low-rate that covers your entire immediate family, no matter how many children you may have.

Many financial strains related to an illness don't just come from medical bills. Being out of work, finding child care, caring for a loved one, transportation, etc are not covered by health insurance.

Critical illnesses such as cancer or heart stroke are long-term illnesses in which expenses will pile up. This is where having critical illness insurance that pays you a fixed-set amount if you're diagnosed with the covered illness will come in handy.

You can use the cash however you like. It's your to use. Coverage amounts of $10,000 to $50,000 available.

Yes; so even if you have health insurance that will pay a portion of your medical bills, this does not matter. You will still receive the full lump-sum of the coverage you selected if you're diagnosed with a covered critical illness such as cancer or heart stroke.

Almost everyone needs life insurance. Do you have a mortgage? A spouse? Children or dependents? Enough in savings to cover funeral expenses?

Although you may think it won't happen to you, the cost of life insurance is so minimal compared to the peace of mind you'll get that in case something does happen, your loved ones will be taken care of.

Yes; full medical life insurance application processes can be long, daunting, and very intrusive. With no-exam life insurance, you only answer a few questions. There is no blood drawn.

Additionally, the application process for no-exam life insurance is a lot simpler and quicker.

There are several types of life insurance. The two primary categories is "Accidental Death" and "Illness". Some life insurance will cover both accidental deaths such as a car accident and illness such as a heart attack.

However, to save on costs, some only choose to have accidental death coverage. Premiums for accidental death only life insurance is substantially less but you also get less coverage.