Health FAQ's

Q:

Is it possible to buy an individual medical plan that includes coverage for maternity?

A:

Not at this time, but if the new healthcare law goes through to full implementation all plans will have to cover maternity as of January 1st, 2014.

Q:

Can individual dental coverage be purchased with no waiting periods?

A:

Yes. There are companies that will cover all services from day one with reimbursement for major services (crown, bridges, etc.) being covered at a lower percentage the first year.

Q:

What is the return on investment when purchasing disability insurance?

A:

Significant in most cases and can be as high as 100 to 1. Group disability coverage is much more affordable than individual however.

Q:

What are the advantages of purchasing H S A (Health Savings Account) qualified medical plans?

A:

The premiums are generally 15-20% lower than co-pay plans and the income that is deferred to and used out of the H S A is tax exempt.


 


Every situation is unique, so if you have specific questions or need more in-depth advice about your insurance, please get in touch with me and I would be happy to help.


Staff -  TomTom Wilson, MHP, SGS, PPACA Certified              
Benefits Consultant and Producer

Email Tom