Frequently Asked Questions

Q. Does it cost me more to deal with an agent than it would if I dealt directly with an insurance company?

A. No. In working with an agent, you are working with the insurance company. Agents are appointed (approved) by insurance companies and are required to represent them fairly and accurately. Clients do not pay extra fees to an agent for their services. However, with GW Kiger Insurance the client benefits from an agent's expertise and attention. Moreover, agents who represent several companies can offer an even analysis of each insurance company's products. In this way, Health Insurance eStore provides unbiased options without the sales pressure you may experience with other insurance brokers.

Q. How does the application process work?

• Fill out and submit the application
  
• The Insurance company will call you to verify information
  
• They will accept all or certain family members
  
• They may accept certain family members with limitations
  
• They may increase the price by changing the rate from "preferred" to "standard" depending on their underwriting guidelines.
  
• They may exclude certain preexisting conditions
  
• They may decline the application.

Q. What is a pre-existing condition?

A. A preexisting condition is a condition for which you:

• Are currently taking medication.
  
• Have taken medication over the last few years.
  
• Are currently seeing a doctor.
  
• Have seen a doctor about over the last few years.
  
• Acknowledge you should be seeing a doctor about.

Q. What if I get declined on individual health insurance coverage?

A. We will work with you, contacting various insurance carriers to see if we can find you coverage elsewhere.

Q. How long does it take to get individual health coverage?

A. The process typically takes two to three weeks. However, it may take only one week if you are extremely healthy or significantly longer if you experience health problems for which the insurance carrier must review medical records.

Q. Do I have to pay my deductible before "office visits" are covered by co-pays?

A. Generally, no. There may be companies that do have that clause in their contracts, which would not be against the law; however, we rarely see this.

Q. Are co-payments credited against my annual deductible requirements?

A. Generally, no. However, insurance policies with "office visit co-pays" handle office visits and hospital stays differently, wherein hospital stays are covered under the "major medical" portion of the policy and tend to be subject to deductibles and co-pays.

Q. Can I change my deductible after my policy is issued?

A. Most companies will allow you to change to a higher deductible with ease. Lowering a deductible usually requires you to complete a new application where you must indicate your current health condition.

Q. Can I be singled out for cancellation of a policy because of a health problem?

A. No. However, you can use up your benefits after having covered expenses in excess of your lifetime maximum.