Get answers to common questions.
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Our focus is to understand your unique needs and to help you find high quality, value oriented insurance products.
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Our priority is to find the right insurance solution for you, regardless of provider. With one phone call you can research insurance rates and compare options from provider’s nation-wide.
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Our insurance experts include qualified licensed insurance agents in all 50 states. You can tap into this knowledge base for free to ask question, get quotes or buy insurance in minutes.
Health insurance premiums are filed with and regulated by your state’s Department of Insurance. Whether you buy from us, your local agent, or directly from the health insurance company, you’ll pay the same monthly premium for the same plan. With e-TeleQuote you enjoy the convenience and advantages with no additional cost.
No. You are under no obligation to buy a health insurance plan when using e-TeleQuote. After submitting your application on the plan’s website you may cancel it at any time during the underwriting process. If you are charged or your check is cashed and you are denied for coverage or cancel your application prior to approval, the insurance company will issue a refund to you.
A few insurance companies may charge an application fee. You will be notified in the application if the plan you chose requires an application fee. Please note that these fees are non-refundable.
Yes. We believe in providing you with top-quality customer service. Our customer care center is staffed with licensed health insurance agents and knowledgeable representatives, ready to assist you.
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Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations.
As a member of a PPO (Preferred Provider Organization) plan, you’ll be encouraged to use the insurance company’s network of preferred doctors and hospitals. These healthcare providers have been contracted to provide services to the health insurance plan’s members at a discounted rate.
With a PPO plan, services rendered by an out-of-network physician are typically covered at a lower percentage than services rendered by a network physician.
You can request that your Individual and Family health insurance plan start anytime between 1 and 90 days in the future. However, the insurance companies will typically need some time to process your application so please keep in mind that the actual date for the start of your coverage may vary depending on the underwriting process and the availability of your medical records.
When getting quotes for your child(ren) only, enter the child’s name and birth date in the “Applicant” or first row. Additional children should be entered below in the “Child” rows, but not the “Spouse” row.
However, many health insurance companies require one policy per child. So if you have more than one child, try entering just one child to see a larger selection of plans and prices. You are free to apply for each child separately.
In most cases, when you complete your application you’ll provide a credit card number or a check written to the health insurance company for the first premium payment. Typically, your credit card will not be charged nor will your check be cashed until you are approved for coverage. If you are not approved for coverage, or if you cancel your application, your card will not be charged and any check payment you made will be returned or refunded.
Once you’ve been approved for coverage, your ongoing premium payments are paid to your health insurance company typically on a monthly or quarterly basis. Insurance companies typically offer several payment options including monthly billings to be paid by check or credit card, automatic bank drafts or automated credit card charges. Please note that credit card billing of premiums is optional and you can obtain coverage without using that method of payment.
Like medical insurance, dental insurance provides certain benefits for a specific charge. For a specific monthly rate (or “premium”), you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services required to promote general dental health. Some plans may also provide coverage for certain types of oral surgery, dental implants, or orthodontia.
A Dental PPO, DPO, DHMO and prepaid insurance plans rely on a network of dentist that provide dental services at a predetermined rate and usually ease your burden of claim submission by filling it for you. You save your money when you visit a network dentist.
If you want the freedom to choose your own dentist then a fee-for-service plan or traditional indemnity plan may be the best for you. Most fee-for-service plans do not include the network feature, which means you will have to pay for dental services upfront, file your own claims and wait for the insurance carrier to reimburse you.
Dental PPO (Preferred Provider Organization) plans are perhaps the most common type of managed care dental insurance plans. Most Dental PPO plans require you to pay a deductible. With a Dental PPO plan the patient typically obtains care through a network of dental providers who agree to serve the plan’s members at reduced rates. When you use a network provider, you will typically pay a certain percentage (e.g. 20%) of the reduced rate, and the insurance company will pay the remaining percentage (e.g. 80%).
An in-network dentist is one contracted with the dental insurance company to provide services to plan members for specific pre-negotiated rates. An out-of-network dentist is not contracted with the insurance company.
HMO dental insurance plans typically require that members obtain services only from a selected group of dental providers in order to be covered. Dental HMO plans may sometimes offer less expensive monthly premiums, but may also allow you less freedom to choose your own dentist.
A network of dentists that has agreed to provide dental services to a health insurance plan’s members at discounted costs. While the health plan’s members are free to use any dental care provider, the cost to use network providers is less than using non-network providers.
Short-term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs or those waiting for other health insurance to start. Typically, short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months. If you think you’ll need coverage for a longer period of time, you may want to look at a standard, longer-term health insurance option like our individual and family health insurance plans.
If you’re between jobs, waiting for coverage from another health insurance plan to start, laid off, on strike, a recent college graduate or seasonal employee and know that you only need coverage for a specific period of time, short-term health insurance may be a great option for you.
Most health insurance companies will allow you to re-apply for another short-term plan. These plans do not typically constitute an automatic continuation of your first plan. Many short-term health insurance plans only allow you to re-apply once.
Coverage for many short-term health insurance plans can start as soon as 24 hours after the application is submitted. If you would prefer to have your coverage start later, you can select a date up to 30 days in the future.
In most cases, as soon as you complete your application, we will be able to let you know if you do not qualify for short-term coverage.
Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years or older and a citizen or permanent resident of the United States. If you aren’t yet 65, you might also qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant)
Each Medicare drug plan has a list of prescription drugs that it covers, called a formulary, or drug list. Plans may cover both generic and brand-name prescription drugs. Most prescription drugs used by people with Medicare will be on a plan’s drug list. To find out which drugs a plan covers, contact the plan or visit the plan’s website. All Medicare drug plans must make sure that the people in their plan can get medically-necessary drugs to treat their conditions.
Medicare doesn’t cover cosmetic surgery, health care you get while traveling outside of the United States (except in limited cases), hearing aids, most hearing exams, most eyeglasses, most dental care and dentures, and more. It also does not cover long-term care (except for skilled nursing care services that are needed daily on a short-term basis after a 3-day qualifying hospital stay). Some of these services may be covered by a Medicare Advantage Plan, such as an HMO (Health Maintenance Organization) or PPO (Preferred Provider Organization). A Medicare Supplement can help with expenses not fully paid by Medicare.
Medicaid is a state-run program that provides hospital and medical coverage for people with low income and little or no resources. Each state has its own rules about who is eligible and what is covered under Medicaid.
If you have questions about Medicaid, you can call your State Medical Assistance (Medicaid) office for more information.
If you have a concern about the quality of care received while on Medicare, contact your state Quality Improvement Organization, or QIO. QIOs are groups of doctors and health care experts who check on and improve the care given to people with Medicare.
If you have long-term needs – for example, if you require life-long protection for premature death, retirement income or cash to settle your estate – then you should consider cash value insurance. Likewise, if you need protection for a specified period of time, perhaps to pay off a loan or mortgage in the event of your death, term insurance may be the right choice for you. Apply now to get a free quote on term life insurance at affordable rates.
Please consult our licensed insurance representative.
Depends. Many policies have fixed premiums that cannot be increased, while other policies limit premium increases.
Yes. If you were to die, your spouse would have pay for childcare and housekeeping services with household income. Life insurance is a wise option that lessens the financial strain on your family.
Some companies issue participating policies that pay dividends. Here’s how it works: Premiums include a safety factor to cover unexpected occurrences during the year. At year end, insurers analyze actual costs and earnings, and return any surplus to policyowners in the form of dividends.
You can change your dividend option at any time.
There are four great reasons to shop online for life insurance.
Shopping for life insurance has never been more convenient. You get the information and advice you need from the comfort of your own home at any time throughout the day.
The process of shopping online for life insurance usually takes no longer than five minutes. After briefly talking to a licensed life insurance agent, like the ones at e-TeleQuote, a personalized life insurance quote is generated and the application process begins.
Online life insurance quoting and brokerage firms allow you to compare dozens of quotes side-by-side, finding the best values in life insurance.
There’s no substitute for experience. Online life insurance agents talk to thousands of very different customers every year. They have the proven track record to help you and know the caveats of each life insurance carrier.
The bottom line is simple. Using the internet as a tool to find and obtain the best values in life insurance saves time and money.
Life insurance where the death benefit is paid only if the insured dies during a specified period of time.
It depends on the type of term life policy you choose. If you choose 20 year level term, for example, your premiums will remain the same for 20 years.
Yes, if you qualify, you may be able to buy life insurance directly from the insurer.
Yes. There are return of Premium Life Insurance policies that do return the premium. These policies usually charge premiums up to 40% higher (or more) for the same amount of term life coverage.
Accelerated Death Benefit, may also be known as Accelerated Life Insurance Policy, under which part of the death benefit of your life insurance policy (usually 25% or more) becomes payable to the policy owner for a specific medical condition prior to death.
There is no one right answer for the average cost of term life insurance, because the prices vary by person, age, gender, insurance company, policy type, amount of coverage, and several other factors used to determine your price for life insurance. Request a Quote with e-TeleQuote.
Long-term care is a variety of services that includes medical and non-medical care to people who have a chronic illness or disability. Long-term care helps meet health or personal needs. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. It is important to remember that you may need long-term care at any age.
No, people of all ages may require long term care. There are numerous medical or physical conditions that frequently result in an individual requiring long term care services. Statistics show that 40 percent of the people needing long-term care services are adults under age 65. However, older people are the primary users of long term care services because the risk of functional disability increases with advancing age.
Yes, you always have the opportunity to change your coverage.
Like life insurance, the younger you are when you add this benefit to your financial plan, the less expensive it is. Your age at the time you purchase the insurance is the primary factor in determining your cost for a basic policy. The cost increases depending on whether you choose to add optional benefits to the basic policy or if you choose to increase your benefit over time to account for inflation.
Generally, all active employees of the State who are paid through the State’s Centralized Payroll Unit; most employees of State colleges and universities; retired employees of the State of New Jersey and its colleges and universities can enroll in the Plan. Employees of most Local public employers in the State can enroll in the Plan provided the Local has adopted a resolution offering the coverage to its active and retireed employee. An extensive list of relatives of individuals eligible to enroll in the Plan are also eligible to enroll in the Plan.
For most active State employees, the premiums are deducted from their paycheck. Generally all other active and retired employees and their covered family members will be directly billed by Prudential.
Employees are only be permitted to authorize a payroll deduction for themselves and his or her spouse. All other enrolled individuals will be offered direct home billing arrangements.
At the time you purchase your policy, you may elect to include a feature called a “shortened benefit period” option in your policy. Under the shortened benefit period, if you voluntarily stop paying your premiums after you have been covered by the Plan for three years, you will still be entitled to your benefits. However, you will only receive them for a limited period of time. Your maximum lifetime benefit would then be reduced to equal the amount of premiums you have paid, less any benefits received under the Plan, but not less than 30 times the Nursing Home Daily Maximum benefit you elected when you purchased the coverage.