What if I have a question and want to speak with a representative?
Why is individual insurance often cheaper than insurance at employers?
What is medical underwriting?
What is an exclusion or preexisting condition?
What is COBRA?
How does age, gender and tobacco use affect the price of health insurance?
How do I know if I am getting the best price?
When will I get an increase?
How long does it take to apply? When will my effective date be?
Why should I use HealthPlanOne?
How do I know which carrier is right for me?
How do I choose the right benefit plan?
What is an HSA?
Who is eligible for an HSA?
How does the prescription drug benefit work?
How do you protect my privacy?
Will using your service cost me anything?
Why should I shop with you rather than buying an insurance plan elsewhere?
How can I view quotes and shop online through your website?
Please dial 877-56PLANS and we will be happy to answer any question you may have. Alternatively email us at questions@healthplanone.com and we will respond within 24 hours. Back to top
Individual health insurance products typically cost one third to one half of group insurance. This price difference is mostly due to medical underwriting, whereby insurance companies can deny or limit coverage based on an applicant’s health status. In addition, individual and family policies often have high deductibles, limited maternity and limited prescription drug coverage. As you shop for health insurance please pay particular attention to these items. Back to top
As part of the application process, the insurance company will request that you fill out a health statement for each member of the family that you intend to insure. Based on that information the company will make one of the following decisions:
1. Accept all or certain family members,
2. Accept certain family members with limitations,
3. Increase the price by changing the rate from “preferred” to “standard”,
4. Exclude certain preexisting conditions or
5. Decline the application.
Depending on the insurer, 70-80 percent of applications are accepted without being uprated or having exclusions.
In the five states (New York, New Jersey, Massachusetts, Vermont and Maine) that do not allow medical underwriting, individual insurance prices are substantially higher than group policies and many insurers avoid the market. Back to top
An insurance underwriter may accept an application but exclude coverage for “preexisting conditions.” For example, you may have had recent knee surgery and the insurance carrier will accept your application excluding all claims related to your injured knee. Such exclusions may last for a specific period of time or the life of the policy. Back to top
COBRA is 1985 federal legislation that requires employers with more than 20 employees to allow employees that leave the company to continue their insurance in the company plan for 18 to 36 months. The employee is required to reimburse the employer for the cost of the insurance plus up to a 2 percent administrative fee. Back to top
The older you are the higher the cost of the policy. Gender has less impact except if there is maternity coverage. And finally tobacco use may increase the cost of the policy up to 35% for certain insurers. Back to top
Health insurers are required to file their health plan prices in each state that they do business. Insurers then must sell each benefit plan at the filed price. You will not find a health policy on our website at a better price. Guaranteed. Back to top
Each carrier has different rules. Some increase prices on January 1 of each year, regardless of when you sign up. Others increase prices on the policy anniversary. And some will also increase prices on the policyholder’s birthday. To determine a particular insurance carrier’s policy, please call us. Back to top
For most carriers we sell at HealthPlanOne you can apply online or print out the application, complete it and mail it in. Once a completed application is received by the inurance carrier, it typically takes two weeks to be accepted.
Some carriers only have effective dates on the first of the month. Others will start coverage during the month. If your requested start date cannot be accommodated by the insurer, you will be alerted online to the available start dates for that insurer. Back to top
Can children over 18 be insured on a family insurance policy?
Insurance companies will typically insure children of the policyholder through age 23 if they are enrolled as full time students. Otherwise they are required to obtain their own insurance when reaching age 18. Back to top
You cannot get better prices than at healthplanone. Guaranteed by law! We are experts in individual health insurance and understand the complexities of the business. That expertise can help you save money by purchasing the best policy for your situation. Back to top
There are many elements to consider when choosing an insurance carrier, including price, physician network and benefit design. Some carriers have lower prices initially but raise them quickly. Depending on the length of time you expect to hold the policy will help determine if it is right for you.
Some carriers have smaller networks and than others. Some and certain carriers require referrals to see physician specialists. We can help you sort through these items to choose the best insurance carrier for you. Back to top
You need to determine what benefits are important to you, including Back to top
A Health Savings Account, or HSA combines high deductible health insurance with a tax-favored savings account. Money in the savings account helps pay the deductible. Once the deductible is met, the insurance starts paying. Money left in the savings account earns interest and is yours to keep. There is no “use it or lose it” restriction with an HSA. Back to top
Anyone who is not entitled to Medicare can accumulate tax-favored savings for healthcare needs. You must have a qualified high deductible plan to receive the benefits. Such a plan must have a minimum deductible for $1,050 for a single or $2,100 for a family. Back to top
The prescription drug benefit for individual and family plans varies greatly. Some plans limit the annual benefit and others have a deductible. Please closely review the drug benefit before selecting a health plan. Back to top
Shopping with HealthPlanOne is safe. As your health insurance agent, we're committed to protecting your privacy and the information you provide to us. HealthPlanOne will not sell trade or give away your personal information to anyone, except those specifically involved in the referral or processing of your health insurance quote or application. We use industry leading technologies to ensure the security of all the information under our control.
We're proud to have received the privacy seal of approval from TRUSTe, the largest privacy advocacy organization on the Internet, and we encourage you to read our Privacy Policy online. If you have any questions about our privacy policy or how your personal information is protected at HealthPlanOne, contact us by email at privacy@healthplanone.com. Back to top
All the services offered by HealthPlanOne are provided at no extra cost to you, the consumer. If you buy a health insurance plan through HealthPlanOne, you'll pay the regular monthly premium to the health insurance company you chose, but you'll pay nothing to us. Our fees are paid by the insurance companies in the form of commissions, which are built into the premium amount. Back to top
By combining the localized knowledge of a neighborhood agent with the broad experience and comprehensive understanding of a national health insurance agency, we are able to offer our customers:
Shopping with us is simple. After entering your zip code and some basic information about yourself, your family or your business, you'll be provided with a list of health insurance plans available in your area. You may refine these results or sort and organize them in various ways. You'll also have the opportunity to select several of them at a time to make more detailed plan comparisons. Once you've selected a plan, you'll fill out an application, providing more information about yourself, your family or your employees, and about your health history. Once your application is complete, HealthPlanOne will work with the health insurance company to help you receive a quick coverage determination. Back to top
Anthem OH Maternity
Lowest
