| Q |
Why are you only able to help people in Ohio and Indiana?
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| A |
In order to sell health insurance one must be licensed in that particular State. Since we are licensed in Ohio and Indiana, we sell in these two states. By specializing in Ohio and Inidana we can best help residents of these states find the best, most affordable health insurance available.
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| Q |
Do you represent every health plan available in Ohio and Indiana?
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| A |
Not all health plans available in Ohio and Indiana are worth looking at. Some are low rated companies who have lousy coverage, lousy claims paying ability, a track record of huge rate increases or are simply not competitive. We prefer to represent only those carriers who offer the best coverage at the most affordable rates who also offer excellent claims paying ability, rate stability and excellent customer service. Additionally we prefer companies who are highly rated and have a large PPO directory.
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| Q |
Is Dental available separately?
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| A |
Yes. We have Dental only plans and Health Plans with a Dental option. Let us know if you want Dental only.
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| Q |
If I'm self employed are there more options available to me?
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| A |
Yes. If you are self employed you qualify as a group for health plans as good as large corporations. Benefits such as prescriptions via a copay and maternity are included. Let us know if you are self employed and we can discuss these options.
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| Q |
I'm not self employed but would like maternity coverage is it available?
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| A |
Yes. Some health plans offer a limited benefit. Others have no limit (subject to the policy limit) and is covered like any other illness. Beware, it can be very expensive. So please be certain you want maternity coverage before asking for it. (It can easily double or more the monthly premium compared to plans without maternity).
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| Q |
Are pre-existing health conditions covered?
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| A |
Depends on the health carrier. Some will have a provision to cover pre-existing conditions with no waiting period if you currently have health insurance. Some plans have a provision of waiting 12-24 months or more before pre-existing conditions are covered. So, If you have a pre-existing condition and are concerned about waiting periods, let us know.
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