| What is individual health insurance? |  |
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| What is individual health insurance? |  |
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| Individual health insurance is a unique line of products developed by health insurance companies for those individuals without employer-sponsored health insurance. |
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| How is individual health insurance different from group health insurance? | |
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| How is individual health insurance different from group health insurance? | |
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| Individual insurance is purchased by an individual as protection from large medical expenses. The individual pays all of the premium. The individual health insurance is not tied to employment. Also, with individual health insurance, the applicant must qualify medically for the insurance. |
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| Is an individual insurance policy guaranteed to be issued? | |
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| Is an individual insurance policy guaranteed to be issued? | |
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| In general there is no guarantee issue for individual health insurance. However, in some circumstances an individual may qualify under HIPAA for certain standardized guaranteed issue plans. There are very specific steps and timelines required for the HIPAA plans. |
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| Am I guaranteed issuance of the policy I apply for, at the rate shown? | |
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| Am I guaranteed issuance of the policy I apply for, at the rate shown? | |
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No. Your application will be underwritten by the insurance carrier you have applied with. They will evaluate your health status and may:
 | issue the policy as chosen or; |
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| offer a different policy and/or a different premium rate or; |
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| decline to offer coverage. |
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| What is a pre-existing condition and can it be excluded from coverage? | |
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| What is a pre-existing condition and can it be excluded from coverage? | |
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A pre-existing condition is a health or physical condition that existed before the enrollment date on an insurance policy.
Under HIPAA, the only pre-existing conditions that may be excluded from coverage are those for which medical advice, diagnosis, care or treatment was recommended or received within the six-month period before the applicant's enrollment date.
Most health insurance companies place a pre-existing conditions clause in their policies to protect the company from any condition the applicant had prior to purchasing a new policy. The specifics of these clauses can and do vary by insurance company.
It is very important that you understand the pre-existing conditions clause of the insurance company for which you are considering applying for coverage.
Please talk to the HealthCare for One, or your broker, to ensure you understand this important topic. |
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| Why should I work through a broker? | |
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| Why should I work through a broker? | |
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There are many reasons why a consumer should work with a qualified insurance agent/broker.
The decision to purchase health insurance is very important and with the variety of products and plans in the marketplace today, it can also be confusing for some.
Among the benefits of using a qualified broker are:
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| Their services are free. You pay the same insurance premium regardless of whether you work with a broker or not. |
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| They are trained and licensed in the health insurance industry. Through their knowledge and experience, they can help find the right coverage for you and your family, at a price you can afford. |
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| If you ever encounter a problem or have concerns or questions about your coverage, your broker is there to provide you with personal assistance. |
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| What will you do with my personal health information? | |
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| What will you do with my personal health information? | |
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| For the best answer to this, please read our. |
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| Am I obligated to purchase if I apply? | |
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| Am I obligated to purchase if I apply? | |
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Most insurance companies offer a 'free look' period. Once you receive your policy you have a short period, usually ten days, in which to review and accept the policy.
If the policy is approved with any alterations from the application, such as a premium increase, then you must agree to the changes before the policy will be issued. |
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| Is there a fee for using your site? | |
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| Is there a fee for using your site? | |
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| No. There are absolutely no costs or fees associated with use of our site, access to our brokers or Call Center or applying for coverage with our preferred carriers. |
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| Is HealthCare for One an insurance company? | |
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| Is HealthCare for One an insurance company? | |
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| No. Health Care for One is an agency that sells the products of insurance companies. We are fortunate to work with the best, most respected health insurance carriers in the industry. |
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