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Frequently Asked Questions
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If I am considered "unhealthy" by insurance standards, are there any plans for me (and my family)?
For groups more than one person, how many employees do you need to establish a group plan?
Do I need to have a physical to obtain health insurance?
If I am totally unhealthy and I am self employed, can I still obtain excellent benefits without a pre-existing limitation?
Is it less expensive for me to purchase insurance directly with the insurance company?
Does your company sell one company?
Typically, how long does it take to obtain medical insurance?
How long can I stay on COBRA?
Where can your company sell insurance?
Can insurance be purchased over the mail?
Who is the expert in your office if I have a difficult medical insurance question?
If I am considered "unhealthy" by insurance standards, are there any plans for me (and my family)?
Yes. If you own your own business/self employeed, you are eligible for "group of one" plans. Some insurance companies underwriters are more liberal than others so it is worth looking into several plans. A good agent will continue to shop insurance plans for you.
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For groups more than one person, how many employees do you need to establish a group plan?
Two paid employees.
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Do I need to have a physical to obtain health insurance?
No. Most companies ask about your medical history on the application.
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If I am totally unhealthy and I am self employed, can I still obtain excellent benefits without a pre-existing limitation?
Yes. If you are self employed you can get group coverage under certain plans!
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Is it less expensive for me to purchase insurance directly with the insurance company?
No. Insurance rates are EXACTLY THE SAME with the insurance company or an agent/broker.
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Does your company sell one company?
No. Since we are brokers we can "shop" any insurance carrier for you!
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Typically, how long does it take to obtain medical insurance?
An idividual policy takes anywhere from 2-4 weeks. Group polices usually take a bit shorter depending on the amount of business the insurance company has at at that time. Short Term insurance coverage usually takes 5-14 days.
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How long can I stay on COBRA?
18 months
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Where can your company sell insurance?
We can sell in PA, NJ, DE and MD.
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Can insurance be purchased over the mail?
Yes. Many insurance companies have an application process over the internet as well!
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Who is the expert in your office if I have a difficult medical insurance question?
Jeffrey M. Kropp 610.692.3200 ext. 107
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