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Frequently Asked Questions

We never charge our clients. Whether you are just looking for advice or enrolling with us, we will never charge you.

Yes, our plans and pricing comes straight from the carrier. We do NOT add fees or surcharges to the plans we offer.

Yes, we work with all of the major health carriers in Western PA and nationally. That means we will not favor one company or another based on commission or contracting.

We recommend reviewing your health benefits annually. With the growing cost of health insurance, budgeting your health costs is an important aspect.

Call the phone number on the back of your healthcare card.

Coinsurance is the amount you pay to share the cost of covered services after your deductible has been paid. The coinsurance rate is usually a percentage. For example, if the insurance company pays 80% of the claim, you pay 20%.

The amount of money you must pay each year to cover eligible medical expenses before your insurance policy starts paying. Deductibles are usually tied to coinsurance payments.

A spouse or child that is covered by the primary insured member’s plan. Plans may include a domestic partner too.

A list of prescription medications covered by your plan.

A health care financing and delivery system that provides comprehensive health care services for enrollees in a particular geographic area. HMOs require the use of specific, in-network plan providers. No out-of-network coverage.

A health insurance network that offers greater freedom of choice than HMO plans. Members of PPOs are free to receive care from either in-network or out-of-network (non-preferred) providers, but will receive the highest level of benefits when they use providers inside the network.

A period of time an individual has available to make changes in their plan. SEPs are triggered by significant life events i.e. marriage, divorce, birth/adoption, move to a new network, new job or retirement.

An HSA is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP). The funds contributed to an account are not subject to federal income tax at the time of deposit.

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