Health Insurance FAQ's

If you are currently searching for healthcare coverage often times the terminology being used can be frightening and confusing. Here is just a brief description of the most basic terms used. Make sure to understand the type of coverage you need, evaluate your budget and take your time searching. Your health is important so do not allow a lack of understanding to allow you to make the wrong decision!

What does Pre-Qualify mean?
There are several variables involved in making a determination as to if an application will be accepted.
Not all carriers are the same, but keep in mind some of the basic questions you may possibly be asked by the agent or carrier include:
Do you currently have coverage?
How long has it been since you last had coverage?
Do you smoke?
Do you consume more than (x) amount of alcohol daily?
Are you currently taking any medication?
Do you have any pre-existing conditions?


What is a Discount Health Plan?
Discount plans are supplemental plans that provide discounts on healthcare services. If health insurance is not a possible option for you, either due to a pre-existing condition that makes you ineligible or financial limitations, discount plans may offer a way to make doctor visits, treatment, and prescriptions more affordable.

What is Catastrophic Health Coverage?
These are policies that for the most part pay major hospital and medical expenses. Catastrophic health insurance is medical coverage made affordable by having a high deductible and a low premium. It is designed for patients who are generally healthy and do not necessarily have the need to visit their physician regularly. The plan usually does not cover regular doctor visits (check ups, etc.) but it does provide major hospital and medical expenses coverage. If you are in good health and only want to be covered just in case of a major illness or accident, then a catastrophic health plan could be the best option for you. Catastrophic health plans usually cover hospital stays, x-rays, and surgical expenses, but do not normally cover mental health care or maternity care.

What is a Prescription Discount Plan?
Prescription plans are becoming most popular as the costs of prescription drugs continue to increase. Also listed as RX cards on the internet these plans provide an option to choose brand names drugs or generic. Typically these plans provide consumers with discounts on all prescriptions for an annual or monthly fee. With the soaring prices of prescription drugs, consumers are desperately searching for some relief from overwhelming drug prices. Prescription plans provide one solution to costly prescriptions. Plans and discounts vary dramatically so be sure to evaluate the plan carefully.

What is a Dental Discount Plan?
Discount dental plans have recently become popular and can provide quality dental care at a discounted rate. These non-insurance dental plans vary in types but for the most part, unlike dental insurance, have no annual limits. A monthly or yearly fee is paid for the membership and in exchange discounts on dental services are provided. If complex dental work is projected or if there is coverage is needed for several family members, these plans can possible contribute to a significant savings on dental expenses.

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