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Frequently Asked Insurance Questions
Here are the most common insurance questions America's Health Insurance Advisors Inc. receives.
Our insurance brokers are always available to answer any questions and address any concerns you may have. Call us at (954) 464-8357 for any further inquiries.
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What are the different types of insurance plans?
There are different types of Marketplace health insurance plans designed to meet different needs.
Some examples of plan types you'll find in the Marketplace:
- Exclusive Provider Organization (EPO): A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plan's network (except in an emergency).
- Health Maintenance Organization (HMO): A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.
- Point of Service (POS): A type of plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the plan's network. POS plans require you to get a referral from your primary care doctor in order to see a specialist.
- Preferred Provider Organization (PPO): A type of health plan where you pay less if you use providers in the plan's network. You can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.Article: Helathcare.gov
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What is MediCare and its parts?
Medicare is a health insurance program for:
- People age 65 or older.
- People under age 65 with certain disabilities.
- People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).
Medicare has different parts that help cover specific services:
Medicare Part A (Hospital Insurance) – – – Part A helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care. You are eligible for free coverage with Part A.
Medicare Part B (Medical Insurance) – – – Part B helps cover services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, and many preventative services.
Medicare Part D (Prescription Drug Coverage) – – – Part D helps cover the cost of prescription drugs (including many recommended shots or vaccines). You join a Medicare drug plan in addition to Original Medicare, or you get it by joining a Medicare Advantage Plan with drug coverage. Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare.
- Medicare Advantage (also known as Part C) Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These "bundled” plans include Part A, Part B, and usually Part D. In most cases, you'll need to use doctors who are in the plan's network. Plans may have lower out-of-pocket costs than Original Medicare. Plans may offer some extra benefits that Original Medicare doesn't cover — like vision, hearing, and dental services.Medicare Supplemental Medigap is Medicare Supplement Insurance that helps fill "gaps” in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:
- Copayments
- Coinsurance
- DeductiblesArticle: MediCare.gov
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Insurance Terms to Know!
Monthly Premium: A health insurance premium is a monthly fee paid to an insurance company or health plan to provide health coverage.
Deductible: The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself. After you pay your deductible, you usually pay only a copayment or coinsurance for covered services.
Out-of-Pocket Maximum: The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits
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How Can I make a payment?
Ways you can make payments are:
- Mail-in a check to the insurance carrier
- Call the carrier and make the payment over the phone
- Creating an account online to pay
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Is the rate given to me accurate?
Our team makes sure to provide you with the most accurate rate possible so that you know what to expect. If anything, the estimate we give you is higher than the actual price as we rather underpromise and overdeliver.
My current insurance company has significantly increased my rate. How can I get a lower rate?
If your current insurance company has increased your rate, you can be sure to find lower rates with America's Health Insurance Advisors Inc.. Our insurance brokers are here to find you the most competitive prices on the market today, and we’ll fit you with an insurance package that suits both your needs and your budget.
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Is there a fee for getting an insurance quote?
With us, there isn’t.
Book a no-obligation consultation with our team, and you’ll receive free insurance quotes from different carriers so that you can easily compare and contrast. We work with you to find the right insurance quote
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What is a lapse in insurance?
A lapse occurs when you stop paying for or cancel your car insurance. We recommend avoiding an insurance lapse as this can result in costly consequences.
When you choose America's Health Insurance Advisors Inc., we make sure you’re making your payments on time and let you know about all the risks involved.
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What is a deductible?
When submitting an insurance claim, a deductible is an amount you’re responsible for before the insurance company covers the rest.
As your dedicated insurance brokers, we do our best to introduce you to carriers with the lowest deductibles so that you barely ever have to pay out of pocket. This way, not only will you shop the most competitive rates, but you’ll also discover trustworthy lenders that prioritize their clients.
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How do limits and deductibles impact my premium?
Your premium is how much you pay your insurance company regularly to keep your coverage in place. Depending on the insurance type and specific policies, you can pay your premium monthly, quarterly, biannually, or annually. Whether it’s home, car, or life insurance, limits and deductibles are common factors that affect your premium rates.
An insurance limit is the maximum amount covered when making a claim—usually, the higher your coverage limit, the higher your premium. Our insurance agents can guide you in the right direction when it comes to pinpointing the perfect coverage limit for your needs. And they’ll stay on budget, too!
An insurance deductible is the amount of money you have to pay out of pocket for a covered claim. Generally, you may be able to save money on premiums by selecting policies with higher deductibles. Consult with our insurance professionals to see what’s in your best interest.
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What is no-fault insurance?
No-fault insurance means that your insurer will process your claims and cover the damage, no matter who is at fault for the accident. This insurance type speeds up the coverage process, increasing premiums for the party at fault.
When should I review my insurance protection?
At America's Health Insurance Advisors Inc., we believe it’s a good idea to review your insurance protection at least once a year. Still, if you have gone through a significant life change, it’s best to check in with us as soon as possible.
Get in touch with us now at (954) 464-8357 to schedule an appointment.