Q. Can I buy health insurance for less if I buy directly from the company?
A. No. Health insurance premiums are determined by the health insurance company and regulated by every state. You will NOT find a lower premium for any of these insurance plans quoted on our website. No one can offer a lower premium. These premiums would be the same if you were to purchase your medical insurance directly from the insurance company.
Q. What is the advantage of purchasing a policy through Reliable Health Insurance Solutions?
A. You can count on Reliable to provide you with superior service AFTER the sale. Our office is always available to assist you with any billing or claims problems you may encounter. We will deal with the insurance company so you don't have to.
Q. How can I apply?
A. 1. Apply on line and save the $25.00 application fee.
2. Complete the application that was mailed to you and return it to our office.
Q. Can I only cover my children?
A. Yes, UniCare will allow you to purchase health insurance for child(ren) only.
Q. Do I have to take a physical?
A. No. UniCare does not require you to take a physical examination. If there is any question as to a current medical condition a potential insured may have, medical records may be requested from your doctor.
Q. If I have questions regarding the completion of an application, whom can I call?
A. Please call us directly at 1-800-330-4122. Our knowledgeable and friendly customer service representatives will be happy to assist you.
Q. Are companies required by law to issue individual policies to anyone who applies?
A. No. Companies that issue individual coverage underwrite the applications prior to the policy being issued. Underwriting is based on many things including, but not limited to, age, health status, occupation and certain hobbies. The company may:
- Issue the policy as applied for,
- Issue the policy with stipulated exclusions either for a limited or unlimited period of time,
- Issue the policy with an added premium,
- Decline issuance of the policy.
Q. Can I return my policy if I am not satisfied with it?
A. Yes. When a policy is issued to you, you will have a "free look period" of at least ten days. If you are not satisfied with the policy, you may return it and request a full refund of the premium.
Q. When should I cancel my current policy?
A. Do not cancel your current coverage until you have received written notification of your approval from UniCare.
Q. Can I pay for my health insurance with a credit card?
A. At this time, UniCare only allows you to make your initial payment with a credit card. After that, you have only two payment options.
- Monthly bank draft
- Directly billed quarterly payments
Q. Is an individual health insurance plan comparable to a group plan?
A. Individual plans are comparable to group plans and in many instances better, with the one exception of maternity coverage. Most group plans offer maternity coverage while individual plans do not.
Q. Should I be concerned about a possible catastrophic loss without maternity coverage?
A. No. Maternity coverage primarily pays for pre-natal care and hospital charges for a normal delivery. Even without maternity coverage, complications of delivery are paid the same as any other illness, and a child is covered the moment it is born regardless of their health.
Q. Is a generic drug as effective as a brand-name drug?
A. Generic drugs must meet the same high standards of quality as brand-name and are formulated to have the same effect. Generic drugs are safe, effective and, equivalent to brand-name medications however they cost significantly less.
Q. Do I have to get a referral from a primary physician in order to see a specialist?
A. No. All UniCare plans allow you to see any physician in their network without a referral.
Q. How can I get a current listing of UniCare preferred providers?
A. Log on to UniCare.com.
Q. What is an explanation of benefits (EOB)?
A. An EOB is the statement that the insurance company mails to you (after a claim is filed) listing services provided, amount billed, eligible expenses and payments made by the health insurance company. This statement will indicate the amount you owe your provider after discounts, co-payments, applicable deductibles and coinsurance.
Q. What should I do if a physician bills me directly?
A. Call your physician and confirm that they have filled the claim with UniCare. Within thirty days of the claim being filed, you should receive an EOB that indicates the amount you owe after negotiated discounts have been applied.
Q. Who do I call if I have a question about a claim?
A. First call UniCare directly at 1-800-718-9355. If UniCare does not handle the claim to your satisfaction, contact our office.
Q. What is a health savings account?
A. First, participants enroll in a relatively inexpensive high deductible insurance plan. Then, a tax-deductible savings account may be opened to cover current and future medical expenses. The money deposited, as well as the earnings, is tax-deferred. The money then can be withdrawn to cover qualified medical expenses tax-free. Unused balances roll over from year to year.
Q. What is a high deductible insurance plan?
A. For 2004, a high deductible insurance plan is defined as a health plan with a minimum deductible of $1000 for self-only coverage and $2000 for family coverage. The maximum out-of-pocket expenses for allowed costs must be no more that $5000 for self-only coverage and no more than $10,000 for family.
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