FAQs
We’re Here To Answer All Your Questions
Do I have to wait until open enrollment to start my Health Insurance Plan?
No. You can enroll in several private plans all year long.
Who is the Insurance Company?
We work with a variety of top-rated insurance companies, which depends on your
individual needs and type of policy.
individual needs and type of policy.
Why are these plans more affordable than employer plans/traditional health insurance?
Our PPO plans and Major Medical type plans are underwritten based on your health,
not your financial situation. If you’re relatively healthy at the time of enrollment and
approval, our PPO plans can help save you thousands of dollars in monthly premiums
and deductibles.
not your financial situation. If you’re relatively healthy at the time of enrollment and
approval, our PPO plans can help save you thousands of dollars in monthly premiums
and deductibles.
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.
How are premiums so low?
The companies we represent insure primarily healthy customers and do not spend excessive marketing dollars on advertising. This transfers the savings onto the customer in the form of lower monthly premiums and low or no deductibles. This allows us to customize the coverage based on your specific needs and budget.
What happens if I get sick?
Once the policy is effective, our plans are guaranteed renewable and will not end coverage based on claims. Several of our plans will automatically renew every 12 months until you reach the age of 65, choose to cancel your plan, or if your plan lapses due to non-payment.
Do I have to pay money upfront?
Based on the company you select, premiums will be charged on either the approval date or the future effective date.
Will the application process take a lot of time?
Once you have decided on your customized plan, the application process is only about 10 minutes to complete.
Where can I use my coverage?
Based on the company you select our indemnity plans allow you to use your benefits with any provider in the USA, with an optional nationwide PPO network for possible additional savings. Our major medical plans and semi-limited medical plans can be used within the nationwide PPO networks.
What is self-pay?
Indemnity plans allow the customer to pay for medical expenses upfront “self-pay”. Then the customer submits their paperwork to the Insurance company via app or online portal for reimbursement. This allows them to maximize their benefits.
If I do self-pay, how do I submit a claim?
Customers have easy access via app or online portals to file claims anytime you do self-pay, and Juan is also available to help you.
Is my doctor or medical facility in network?
Please click on your carriers' link found below:
Manhattan Life Plans:
United Healthcare (United Health One) Plans:
Philadelphia American Plans:
Still have questions? Click “CONTACT” to reach out to Juan directly.
We’re always here to help!