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Is Web Health Policy a Health Insurance Company? |
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How exactly does the process of buying Health Insurance from Web Health Policy work? |
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Is it more expensive if I purchase a policy from Web Health Policy versus contacting an insurance company or agent? |
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What is the advantage of buying health insurance from Web Health Policy? |
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How soon will my coverage start? |
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Will my individual policy pay for prescription medication? |
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Will a pregnancy be covered by individual health plans? |
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What does a deductible entail? |
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Is there a maximum to pay on the amount of expenses paid each year?
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| Q: |
Is Web Health Policy a Health Insurance Company? |
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No it is not a Health Insurance Company. Web Health Policy is an online resource providing access to high quality health insurance policies from an array of insurers in each specific geographic area. A fully licensed professional is available to take visitors through the decision-making process. |
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| Q: |
How exactly does the process of buying Health Insurance from Web Health Policy work? |
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The first step is to answer a few basic questions. |
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Once you answer the questions, your data will be securely transmitted to the appropriate licensed professional. |
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This licensed agent will contact you via phone to discuss product details, which are explained in easy to understand terms. |
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If you are approved, the turn around time is rapid and rates very affordable. |
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| Q: |
Is it more expensive if I purchase a policy from Web Health Policy versus contacting an insurance company or agent? |
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No, it is not any more expensive to purchase from Web Health Policy, as there are no additional charges. |
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| Q: |
What is the advantage of buying health insurance from Web Health Policy? |
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As an online resource we are able to provide a wide range of experience as well as in-depth understanding of the insurance arena to our customers. In addition, we have access to a multitude of high quality insurance policies from various insurers in your area thereby offering you many excellent choices that address your particular needs. Not only will you receive the finest customer service and friendly agents, but also we'll make sure you get the most for your money. And whether you choose WebHealthPolicy or buy directly from a health insurance company, you'll still pay the same premium. |
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How soon will my coverage start? |
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You can request that your Individual and Family health insurance plan be processed within 1 to 90 days. However, coverage dates can vary based on application processing time.
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| Q: |
Will my individual policy pay for prescription medication? |
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Some policies do not pay for any prescriptions while some pay for medications that have been dispensed while a patient is confined to a medical facility. Others pay a percentage of the actual charge while other policies provide a drug card that permits the purchasing of prescriptions for a specified co-payment amount. This might only be $5.00. Because there are many variables, it's very important to review your policy carefully. |
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Will a pregnancy be covered by individual health plans? |
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Some individual medical plans offer normal pregnancy benefits but usually as an optional coverage. |
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What does a deductible entail? |
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A deductible is the amount of loss paid by the policyholder. It can either be a specified dollar amount, a percentage of the claim amount or a specified amount of time that must elapse before benefits are paid. The larger the deductible, the lower the premium charged. Since there are several ways in which a deductible may be applied, be sure to review your policy carefully to understand exactly how the deductible works on the policy you choose. |
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Is there a maximum to pay on the amount of expenses paid each year? |
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Some individual health insurance policies have a stipulation, which is called an "out of pocket maximum," which limits the amount you pay in any given benefit period. By way of example: If your policy pays 80% of covered charges and requires a deductible of $1,000 and has an out of pocket maximum of $10,000 and you had $75,000 in covered charges, the payout would be:
$75,000 (total covered medical bills)
- 1,000 (your deductible)
74,000
- 59,200 (80% of remaining charges)
$14,800 (20% you owe)
- 10,000 (maximum amount you are required to pay out of pocket)
$ 4,800 (additional amount the company must pay)
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