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Health Insurance Questions

> Buying insurance through us
> What kinds of services do you provide?
> What kinds of products do you offer?
> Will using your service cost me anything?
> How do you protect my private information?
> Do you offer health insurance in my state?
> Why should I shop with you rather than buying an insurance plan elsewhere?
> Do you offer the best prices?
> How can I view quotes and shop online through your website?
> If I apply an insurance plan, am I obligated to buy?
> Can I check the status of my application?
> How do I finish my application?
> Can I contact someone if I need help?
 
> Individual and Family Health Insurance
> What is individual and family health insurance?
> What kinds of individual and family insurance plans are available?
> How does a PPO plan work?
> How does an HMO plan work?
> How does a POS plan work?
> How does an Indemnity plan work?
> How does an HSA work?
> What is a co-payment?
> What is a deductible?
> What is coinsurance?
> What is the difference between in-network and out-of-network providers?
> What's the best health insurance plan for me?
> When can my coverage start?
> How can I insure just my child?
> Why should I shop with you rather than buying an insurance plan elsewhere?
> How do you protect my private information?
> When I buy an insurance plan, how do I make payments?
> If I apply for an insurance plan, am I obligated to buy?
> Do you offer the best prices?
> Can I contact someone if I need help?
 
> Small Business Health Insurance
> General Insurance Questions
> What are the benefits of providing group health insurance to my employees?
> How are costs typically split between the employer and the employee?
> Is buying group health insurance tax deductible
> How do I know if my company qualifies for group health insurance?
> What types of group health insurance plans are available?
> How does an Indemnity plan work?
> How does a PPO plan work?
> How does an HMO plan work?
> How does a POS plan work?
> What is a Health Savings Account (HSA) and how does it work?
> What is the best health insurance plan for my company?
> What are "benefit riders?"
> What is a "Risk Adjustment Factor (RAF)?"
> What is "term life insurance?"
> How do ZIP codes affect group health insurance rates?
> Can I contact someone if I need help?
 
> Entering Company Information
> Our company consists solely of my spouse and me. How should we complete these fields?
> Should I include employees who don't want insurance?
> What if I don't know all the information I need to complete these fields?
> Why should I enter the employee names?
> Who is eligible to enroll under a small business health insurance plan?
> Can I save my work and return to complete it later?
> What are my next steps?
 
> Comparing Insurance Plans
> Can I refine my search results?
> Can I compare some of these health insurance plans in more detail?
> I see multiple listings for the same insurance company. Are these duplicates?
> Do these rates represent my final group health insurance costs?
> I'm only seeing the Estimated Total Cost. Where do I find the rates for each employee?
> Are these rates different from those quoted by the insurance companies or other agents?
> My company already has a policy with one of these insurance companies. Are we eligible for the rates quoted here?
> Do these rates include dental coverage?
> Can I save my work and return to complete it later?
> What are my next steps?
> What is a "multi-plan"?
 
> Reviewing Benefits
> Am I obligated to buy this health insurance plan if I continue through the application process?
> Why would I want to change the employer contribution level?
> When will I know my group's final costs?
> How do I change the Employee Information?
> How do I change the Requested Effective Date?
> How do I change the Employer Contribution?
> How do I add other benefits, such as a dental or vision insurance plan?
> What are my next steps?
 
> Comparing Additional Benefits
> Do I have to choose these additional insurance plans now?
 
> Employer Contributions
> What's the difference between employee costs and employer costs?
> Is the company required to contribute to the employee's benefits?
> When do I have to decide how much to contribute to the employee benefits?
> What are my next steps?
 
> Using the Account Center
> I haven't completed the application process yet, but I want a different plan. What should I do?
> Can I complete the enrollment process on paper rather than online?
> Do all my employees need to enroll online?
> One of my employees declined insurance by mistake. What should I do?
> I've already purchased my group health insurance plan. Can I make alterations to my policy?
> What do I do if one of my employees leaves the company, gets married, or has a child? What if I hire a new employee?
 
> Employer Enrollment
> What if I don't know all the information requested for an employee?
> Why does my email address appear next to the employees' email address field?
> Why do I need to include the names of eligible employees who do not want insurance?
> Why can't I edit the information of some of my employees?
 
 
> Short-term Health Insurance
> What is short-term health insurance?
> Why would I want coverage for a limited amount of time?
> What happens when I reach the end of my coverage period?
> What if I only need coverage for less than 30 days?
> How soon can my coverage start?
> How will I know if I qualify for short-term health insurance coverage?
> If I don't qualify for short-term coverage, will my credit card still get charged?
> If I apply for an insurance plan, am I obligated to buy?
> Do short-term health insurance plans include dental and vision benefits?
> Should I pay monthly or make a single payment up front?
> How can I insure just my child?
> What if I get a standard, longer-term insurance policy at a future date?
> Will purchasing a short-term insurance plan make it harder for me to get coverage in the future for a pre-existing medical condition?
> Do you offer the best prices?
> Can I contact someone if I need help?
 
> Student Health Insurance
> How can college students meet their needs with a Student insurance plan?
> Which doctors or hospitals can I visit?
> Do healthcare services need to be preauthorized?
> Who can purchase Student health insurance?
> If I apply for an insurance plan, am I obligated to buy?
> Are foreign exchange student eligible for coverage?
> Can I add my family members (spouse and dependents) to my policy?
> As a parent, should I purchase a Student insurance plan for my child, or cover them through my standard medical plan?
> Am I covered year-round, or just while school is in session?
> Will I be covered when I go out of state?
> What happens if I transfer schools?
> Will coverage be in jeopardy if I drop a class?
> If I graduate or drop out of school will I lose my coverage?
> How far in advance of the beginning of school can I apply?
> When does my coverage begin?
> How many times can the insurance plan be renewed?
> Can I contact someone if I need help?
 
> Dental Insurance
> How does dental insurance work?
> What kinds of dental insurance plans are available?
> What is the best dental insurance plan for me?
> What is a Dental PPO plan?
> What is a Dental Indemnity plan?
> How can I insure just my child?
> What is the difference between an in-network and out-of-network dentist?
> What's the difference between Dental insurance and Discount Cards with dental discounts?
> Do you offer the best price?
> Where are the other dental insurance plans that I am familiar with?
> Can I contact someone if I need help?
> HMO (Health Maintenance Organization)
> What is a Dental Network plan?
 
> Discount Cards
> What are Discount Cards?
> What's the difference between Dental insurance and Discount Cards with dental discounts?
> Is a Discount Card an insurance plan?
> How much money will I save?
> How soon can I start receiving discounted rates?
> How often may I use my Discount Card?
> Is there a transaction fee to use my Discount Card?
> Are the discounted rates the same for all network providers?
> How can I find a dentist near me?
> What if a network provider won't accept my card?
> Can I contact someone if I need help?
 
> Health Savings Accounts
> What is an HSA?
> Why should I consider getting an HSA?
> What is a Business HSA?
> How does a Business HSA work?
> How does a Health Savings Account work?
> How do I explain a Business HSA to my employees?
> What are qualified medical expenses?
> What insurance plans are HSA-eligible?
> How much can I contribute to my HSA?
> Can I roll over funds from other accounts into my HSA?
> Is my money safe?
> How do I use the funds in my HSA?
> What are my investment options?
> How do the tax savings work?
> Are there fees associated with HSAs?
> Why should I get my HSA through eHealthInsurance?
> How can I get an HSA?
 
> COBRA Alternatives
> What is COBRA?
> Is my employer obligated to continue my benefits under COBRA?
> Who is responsible for notifying me about COBRA?
> What if my employer ignores its COBRA obligations?
> What are Qualifying Events?
> What are not Qualifying Events?
> My employer has changed the health insurance plan it sponsors. Can I qualify for COBRA?
> My employer has filed for bankruptcy. Can I qualify for COBRA?
> Who is eligible for COBRA continuation of benefits?
> Are newborns and adopted children eligible for COBRA continuation of benefits?
> Can I choose one option for myself and a different one for my eligible dependents?
> How long do I have to decide whether I want to continue any or all of my benefits available under the COBRA continuation of benefits?
> I told my former employer that I did not want COBRA, but I've changed my mind. Can I still obtain COBRA?
> What plans are covered under COBRA continuation of benefits?
> What plans are not covered under COBRA continuation of benefits?
> Must I enroll in all of the medical, dental and vision plans under which I was covered as an active employee?
> What Happens to my Flexible Spending Account (FSA) and/or Dependent Care FSA?
> When does the COBRA continuation of benefits begin?
> How long do COBRA continued benefits last?
> Can I extend my COBRA coverage?
> What would cause my COBRA coverage to terminate early?
> When are my premiums due?
> How much will COBRA cost?
> Why is COBRA so expensive?
> How do I file a claim under COBRA?
> May I get insurance coverage outside of the COBRA continuation benefits plan?
> How do I cancel COBRA?
> My COBRA term is ready to expire, what should I do?
 
eHealthInsurance is the nation's leading online source of health insurance for individuals, families and small businesses. Consumers can get free online health insurance quotes from leading health insurance carriers, compare plans side by side, and apply for and purchase health insurance. eHealthInsurance offers thousands of health plans underwritten by more than 180 of the nation's health insurance companies, including Aetna, Humana, and Blue Cross Blue Shield. eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia.