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Thursday, July 29, 2010 |
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How much are your services? Our services are free to you. Your premium will not be affected if we help you find an affordable program. You pay the same price if you go directly to the company or go through us. So, our experience and expertise are at no additional cost. Plus, having an agent on your side to handle possible questions, issues, or claims are also FREE!
Am I obligated to purchase a plan that I have applied for through your company?
No. If you decide after the application process is over that you do not want to purchase that policy, you can cancel with no penalty or fee. We can offer you different options that may work better for you and your budget but you’re under no obligation to continue.
Do I have to come to your office to set up a plan through your brokerage firm?
No. We can do a lot of the leg work over the phone and via fax. We try to make this process as easy as we can for you.
What if I have a pre-existing condition?
Most pre-existing conditions can be covered as long as you have 12 months of continuous coverage without a gap of 63 days or more. If this isn’t the case, then we have guaranteed options that may work for you.
Can I have a plan for my child that is under 18 without being on the policy with them?
Yes. Your child can be the primary applicant for his or her own stand alone policy. There is no change of benefits for “child only plans” either.
Can I add maternity coverage to my policy?
Yes. Maternity can be added to your policy for an additional charge. Maternity is available to females over 18 and those who are not pregnant at the time of purchasing the maternity rider. You have 2 choices to obtain maternity on your health policy:
Can I add dental to my health policy?
Yes. You can add dental at any time you like. You will be billed separately for your health and dental.
What is the difference between a HSA and a traditional health plan?
A traditional health plan would be called a PPO and offers a co-payment for medical services and prescriptions. An HSA plan allows you to save money for future medical services/expenses on a tax free basis. You pay all medical expenses out of pocket until your deductible is met (except for a predefined list of preventative services that will be covered at 100%).
If I purchase an HSA, do I have to fund it too?
No. The funding component of the HSA is completely optional. The minimum contribution is zero and the maximum contribution is $3,000 (self-only coverage) and $5,950 (family coverage).
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| CAPbenefits - 13127 Rosedale Hill Avenue - Huntersville, NC 28078
Office - (704) 947-8814 | 877-298-0150 - eFax Halstead Design |