Frequendly Asked Questions
What types of insurance do you sell?
Insue to Ensure sells:
- Life Insurance
- Health Insurance
- Medicare Insurance
- Disability Insurance
- Dental Insurance
- Vision Insurance
What is the difference between an HMO and a PPO?
| HMO | PPO |
| ¨ Cheaper | ¨ More Expensive |
| ¨ Requires a referral | ¨ No referral needed. |
| ¨ MUST go to doctors and hospitals in the network. | ¨ Can go to any doctor or hospital. |
What is a premium?
Premium is the amount you pay EVERY month to keep your insurance.
What is coinsurance?
Co-insurance is a percentage (%) you pay for a covered service.
What is an out-of-pocket maximum?
Out-Of-Pocket Maximum is the most you will pay for the year. It includes all of the co-pays, co-insurance, and deductibles for medical and prescription services. If you reach it, all services are covered at 100%.
What is the Affordable Care Act?
- ObamaCare is called the Affordable Care Act.
- ObamaCare is a series of laws that standardize health insurance. Think of it like car insurance.
How do I change my primary care physician?
Contact the Member Services or call our office. The number is on the back of your health insurance card or call us at (555)555-5555
What is a co-pay?
A Co-payment is the amount you pay for covered services at the time you receive care.
How do I pay my premium?
You can pay your premium by calling us at (555)555-5555, and one of our insurance agents will happily help you with your payment process.
What is a deductible?
A deductible is the amount you pay before the insurance will pay. NOT all services require a deductible to be paid. For example, going to the doctor does NOT require a deductible to be paid with most plans.