FAQs
See If We Can Answer Your Questions Here!
Who would be my Insurance Company?
We work with a variety of top rated insurance carriers, so this depends actually depends on your individual needs/policy. For further clarification on your insurance company, feel free to email Juan!
Why are these programs so much cheaper than options on Healthcare.gov or my company?
The major difference in these our PPO plans and Major Medical plans is simply this:
Our PPO plans are underwritten based on your health, not your financial situation.
So, if you are healthy upon time of sign-up and approval, our PPO plans can help save you thousands of dollars in monthly premiums and deductibles.
Can I qualify medically for these programs?
The underwriting guidelines for these programs are very lenient. If you do not suffer from a major illness or face major surgery you will most likely qualify! Some of the most common medical conditions in the United States are acceptable.
Will I have to take a physical or submit medical records?
No. We will simply ask you a few medical questions and submit your responses directly to the company. For your protection, the company will verify your answers are correct. No need for medical record submission.
Will I have to pay a penalty?
Why are your premiums lower?
Firstly, we only insure people who are reasonably healthy. Secondly, we only write coverages that you want and need. Example: Does a 50 year old married couple really need to pay for maternity coverage? Think of it like the auto insurance rating system: the better you drive the lower premiums you pay.
What happens if I get sick?
Do I have to pay money upfront?
Will this process take a lot of my time?
Where can I use my coverage?
Want to see if your doctor of medical facility is part of the network?
Click on your carriers’ link below:
Manhattan Life Plans:
United Healthcare (United Health One) Plans:
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