Frequently Asked Questions


Q: What is the difference between a quote and an application?

A quote is strictly a "base" premium based on the data (date of birth, city, etc.) given. Final rates are based on full medical underwriting, including an application. After the carrier receives the application, medical underwriting can include a phone interview, a urine specimen, a physical exam or some combination thereof. The majority of the underwriting lies in the application and phone interview. The carrier can also request full medical records from your provider. Based on all of this information, a final medical decision will be made -- i.e., approved as-is, approved at a higher rate, approved with a rider or declined.

Q: How do I apply?

When you receive your application (via e-mail, PDF download or U.S. mail), please fill it out and return it to us. The application processing department will prescreen the application and then forward it to the carrier for further medical underwriting. Please do not cancel any coverage you may already have until a final offer is made and a policy number is issued.

Q: In order to qualify for this plan, do I need to answer questions regarding my medical history?

Yes. Because this is an individual and not a group policy, the insurance carrier will medically underwrite your application. Your application may be approved, your premium may be adjusted or you may be declined based on this medical underwriting.

Q: How long will it take for my application to be approved?

Most underwriting is completed in approximately four weeks. The carrier will perform a phone interview, and in some states, a urine sample may be required. The carrier may also request medical records from your doctor. Keep in mind that while some doctors are quick to turn this information around, some are very slow, and this may affect the time it takes to approve your application.

Q: What are the limitations regarding pre-existing conditions?

Some of our carriers will consider covering pre-existing conditions with an increase in your premium to cover ongoing medications or treatments. Keep in mind that with some carriers, pre-existing conditions are normally not covered during the first 12 months of the policy. Other pre-existing conditions cannot be covered. We will provide you with a list of these conditions as part of our quoting process.

Q: Does your plan include a physician office copay or dental benefits?

Yes. Most of our carriers offer these options.

Q: Why are these plans not available in all states?

Due to strict state legislation, most insurance carriers do not write new business in all states. We are committed to bringing you the most competitive insurance products available, and will continue to explore other options where products are not currently available.

Q: Are all insurance carriers reputable?

We require all major medical carriers to be rated at least an "A-" by A.M.Best, an independent insurance-rating company.

Q: How can I find out if my doctor is part of the PPO?

A book of all participating doctors will be sent to you upon approval of your policy. Also, most PPO networks have a website on which you can search for your current physicians. As you review plans on our site, you can click the "Provider Search" button to see a listing of the providers offered by a particular insurance carrier.