FAQ’s [Frequently Asked Questions]
1. Tell Me About Yourself? I am a licensed Insurance Agent representing six (6) Health and one (1) Life Insurance Provider.
2. What Is Your Biggest Issue in your Line of Work? I wish representatives would be more upfront with people. I come across a lot of folks who think they have Major Medical Coverage for their entire family of four (4) for $60 when in reality they have a Discount Card. Normal Major Medical Coverage for a family of four (4) is $600 - $1,000 / month depending on the policy & options and a discount card should cost no more than $7-$25 / month.
3. What are your suggestions to lower my/our Health Care costs? - Reduce your deductible to $100 - Create a Cafeteria Plan at your work which will reduce all health, life and related benefits by 30% - Look at other options of Providers including changing. Finally, go to my Health Insurance Options (link) to see if any of these suggestions interest you.
4. What is Major Medical? It is characterized by much broader coverage than a basic Expense Policy. Major Medical has higher benefit limits and larger deductibles.
5. What is a deductible? To make Health/Auto Insurance Premiums affordable, it is a common practice for most Insurance Companies to require a deductible to be met for benefits to pay out in full. Deductibles are normally around $500 - $3,000 per year. In some cases, there are multiple deductibles for each Premium. Unless you have a serious medical condition, this expensive deductible usually is never satisfied for your Health Insurance Premium which means your coverage will now be limited.
6. What is the difference between Issue Age and Attained Age? Issue Age is the age of the applicant at the time of the application and that age will stay the same through out the life of the policy meaning the premium will not increase due to age; Attained Age is the same, but the premium will increase each year with each birthday the applicant experiences.
7. What information do you need to quote Health Care Insurance for me?
A. What is/are the ages of everyone to be insured?
B. What is/are the height and weights of everyone listed in item A.?
C. List any smokers in item A.?
D. What is the Zip Code that you reside in?
E. What is your monthly budget for Health Insurance?
F. Of the six (6) options listed in the Options Link, which ones where you
interested in?
G. In the last five (5) years has anyone been treated or diagnosed for any
Medical condition(s)?
H. Are there any expectations that you have for your needs?
If you have any problems using any of these pages, please email us direct at: guyuhs@gmail.com.