It does not take long to quote. Most quotes are generated after a follow-up call since we do not collect sensitive data online.

Most insurance companies want applications to be submitted near or by the 15th so they can‬ process and ship out cards prior‬‭‬‭ to the effective date of the‬ plan‬‭ .

All comprehensive insurance coverage plans begin on the first of the month. There are‬‭ some‬ Dental Plans,‬‭ Short-Term plans and Faith Based plans‬‭ that provide additional options for start‬ dates.

Budget for healthcare premiums as an investment to help protect your entire financial worth. A‬ hospitalization for a broken leg or pneumonia can lead to bills in the thousands to tens of‭ thousands of dollars or more. Your investment in health coverage helps to protect you from‬ medical events that may put your wealth at risk.

A health insurance broker is a state-licensed agent who has taken special state-required‬ classes and passed a rigorous state exam. This training and licensing process insures the agent‬‭ is proficient in the following areas:‬

• Understanding how health insurance products are organized,‬

• Understanding how coverage is applied, and‬

• Ability to evaluate and select available products to meet clients’ needs.‬

‭ In addition to state licensing, insurance agents must also apply for an appointment (approval)‬ with each licensed insurance company they wish to represent. Agents cannot sell products of‬ companies they have not been appointed‬‭.‬

An independent‬‭ health insurance‬‭ broker is both licensed by the‬‭ state as well as appointed by multiple insurance companies. Brokers are able to offer a broad‬ range of choices to the consumer to fit their particular insurance needs.‬

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Most applications are fairly simple. Fully comprehensive insurance programs do not require‬ medical underwriting. A majority of the application process is providing personal details such as‬ name, date of birth, address, social security number and additional identity factors.

Most health insurance premiums are paid via automatic monthly payment. Some products may‬ allow a quarterly payment but they are rare. We recommend using‬‭ auto withdrawal‬‭ from‬ your bank account instead of a credit/debit card due to the ever-increasing risk of fraudulent‬ activities associated with cards. Even forgetting to update your payment details when you‬ receive a new card may cause your premiums to become delinquent which puts your coverage‬ at risk.

The tax deductible status of‬‭ individual‬‭ health insurance‬‭ premiums may be relevant to small‬ business owners who do not have group insurance. Due to frequent changes in health care‬ regulations we always recommend that you consult your tax professional to verify deductibility‬ based on your own unique circumstance.

Health insurance brokers are paid strictly by commission from the insurance company. The‬ broker is only paid if you buy a product. There is no cost to you to have a licensed health‭ insurance broker assist you in purchasing your health insurance plan. Health insurance brokers‬ also never take money for a premium. All premium dollars for health insurance are paid by you‬ directly to the insurance company. You should never pay a health insurance broker for your‬ premium.