When can my coverage start?
Your coverage can begin as soon as the insurance carrier approves you for coverage. This process can take anywhere from 24hours to 4 weeks. You need to apply as soon as possible in order to see if you qualify.
How can I insure just my child?
Many carriers will insure your child as an individual. When getting quotes for your child(ren) only, enter the child’s gender and birth date in the “Applicant” or first row. Many health insurance companies require one policy per child. So if you have more than one child, try entering one child to see a larger selection of plans and prices. You can apply for each child separately.
Why should I shop with you rather than buying an insurance plan elsewhere?
My insurance expert is a free service that is not tied to any specific health insurance carrier. As a result our Advisors can recommend the best insurance plans that fit your needs. In addition, your Advisor will complete a Health Insurance Checkup every six and ten months to make sure you are on the best insurance for your current situation. We offer the client the best of all worlds; a comparison shopping experience, expert advise and the service is totally free.
- Broad Selection. Because we are a health insurance agency and not a health insurance company, we can offer plans from multiple insurance companies in your area and find the best plan that fits your budget and insurance needs.
- Best Prices. Health insurance premiums are regulated by the States Department of Insurance so we offer the best health insurance plans at the best rates.
- Expert Advice.My Insurance Expert offers the assistance of licensed advisors that can help you define your health insurance needs and match it to your budget.
What is the best health insurance plan for me?
Choosing between health insurance plans isn’t easy. My Insurance Expert provides licensed advisors to help you sort through the myriad of options in order to meet your specific budget and health insurance needs. The best match for you and your family may be different than the best match for someone else. In order to help you answer this question, here are a few things to consider:
- Are you going to need long-term coverage or just something for the short-term? If you’re between jobs for 1-6 months, you may want to look into our short-term coverage options. You should also consider taking over your health insurance needs on a long term basis so that your insurance remains with you and not your employer.
- Are you looking for basic coverage or more comprehensive coverage?Some insurance plans offer basic coverage to cover you in case of a major accident or illness. These insurance plans typically have a lower monthly premium than plans with more comprehensive coverage, and may be appropriate for people who intend to use their insurance primarily in the event of a serious accident or illness.
Other insurance plans, in addition to offering coverage in case of a major accident or illness, offer more comprehensive coverage which may include benefits such as: preventative care, physician services, prescription drug benefits, and routine office visits. These insurance plans typically have a higher monthly premium.
- How important is the cost of the monthly premium to you? The higher the annual deductible amount is the lower the monthly premium is. If you don’t anticipate making frequent use of your health insurance coverage, a higher-deductible plan with a lower monthly premium may suit you best.
- How important to you is easy access to specialists? Health insurance plans that require you to coordinate your care through a primary care physician typically require that you obtain a referral before seeing a specialist. If you prefer easier access to specialists, you should consider a plan that provides that flexibilty.
- Do you have a specific doctor or hospital that you would like to visit for healthcare? If you would like to continue seeing a specific Doctor please check with the appropriate carrier to confirm that the Doctor is included in their network. Pay special attention to the network of doctors or facilities that each health insurance plan utilizes. Also note that networks utilized by health insurance plans can change, so there is no guarantee that your doctor will always be contracted with your chosen health insurance plan.
- What is the most you could pay out in case of serious illness of injury? Health insurance plans typically place limits on how much a member is required to pay out per year. This limit is often referred to as an out-of-pocket maximum. Once you’ve contributed this maximum amount toward your healthcare, the health insurance company typically covers all other costs for the remainder of the benefit year.