Health Insurance Q and A

Contact our office now at 909-747-0280 and let’s have a private consultation to see how we can help preserve your retirement lifestyle, assets, and income.  You’ll be glad you did.

Frequently Asked Questions

Frequently Asked Questions

  • Q: How much does it cost to use a broker?
  • If you have a broker that doesn’t know how to recommend the right plan, it can cost you thousands in unpaid claims.  There is NO ADDITIONAL cost to have a broker.  Ninety five percent of all insurance is sold with the assistance of a broker.  A good broker can help direct you to the right policy and help expedite your application.  In addition, you have a local resource to turn to when things go wrong or rates increase.
  • Q: What is guaranteed issue group health insurance?
  •   In California, we have guaranteed issue health insurance for groups with 2 or more employees.  You must enroll between 70 to 80% of your eligible employees, minus those covered with another group health plan.  Call us and ask for a summary of the group insurance guidelines.
  • Q: What if I have pre-existing conditions?
  • Pre-existing conditions are generally not a problem when enrolling on an employer plan as long as you enroll when offered coverage.  PPO plans do impose a 6 month pre- existing condition clause if you did not have coverage in the last 63 days.  Pre-existing conditions are a big problem when applying in the individual market place.  Once you have a good policy, keep it because securing a new policy may be harder than you think.
  • Q: How do I get a health insurance quote?
  • Simply go to our quote engine and follow the instructions.  I will caution you as hundreds of quotes will be at your finger tips.  You need Reaume Insurance Solutions to help you understand what’s covered and what’s not.  Many individual policies exclude maternity and brand name medications.  Just because you bought it from a big name carrier does not mean it will do the jobs you purchased it for.  Buyer beware in the individual market place.
  • Q: What is COBRA?
  • In a nutshell, it is a law that allows you the opportunity to take your health insurance with you when you leave work, at your expense.  This is especially important when you are currently being treated or are taking expensive medications.  Don’t assume you can get an individual policy as over 70% of applications are turned down because of existing medical conditions or they are over weight.
  • Q: What is the difference between agents?
  • You want an agent that specializes in health insurance.  Any agent can offer a Blue Cross plan and stubble all the way in the process.  Each carrier offers between 30 and 100 different policies.  A good broker will ask questions and steer you to a plan that fits your needs. The “latest” individual policy by No Name Insurance carrier is not the policy you want when laying in a hospital bed.  You want a name brand carrier and a policy that you understand.  Understanding co-insurance and your maximum out of pocket are examples of terms you need to understand when selecting a plan. A experienced broker will be there when you need him or her.

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