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Group Health
Insurance Information
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Frequently
Asked Questions
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Why
should I purchase my group health insurance from 3dquote.com?
3dquote.com
gives you the information you need to make your group health insurance
purchasing decisions with confidence. We provide you information all
the top-rated health insurance companies. We provide instant
individual and group health insurance quotes, an online health
insurance application, and an online 24 hour a day e-mail status site.
We give you simple instructions, and competent and qualified staff to
respond to your needs over the net or over the phone.
We provide a TOLL FREE telephone number for your convenience ...
1-877-433-7868. It has never been easier to purchase individual or
group health insurance. For more information please visit About Us.
Our extraordinary carrier database means more choices for you and
you can rest assured that you can purchase for the lowest premiums
available.
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Group health
insurance defined
Group health insurance
is an insurance policy covering an employee's medical , hospital, and
emergency care according to the terms of the group health insurance policy.
It is often offered with a variety of additional benefits.
Group health insurance policies generally do not have long term rate
guarantees. The benefits and rates generally vary according to
the health insurance policy. Individual health insurance
policies generally covers employees and their families. Group
health insurance is often provided through an individual's employer.
Individuals and their spouses and children are often covered by health
insurance. .
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Choosing
a group health insurance company
Group health insurance
is very much like many common commodities in the market place. It is a
product that varies very little from health insurance company to
health company. Generally the biggest difference in the product is the
price. So that you can choose between many different health insurance
companies and see the price difference, we provide you a comparison of
approximately 25 of the best rates for your age from California's
top-rated health insurance companies.
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What
kind of group health insurance do I need?
3dquote.com
understands that each company has employee health insurance needs.
There is no set rule as to what kind of group health insurance to buy.
You must consider your own needs and review the available benefits
provided for each plan and health insurance company. You need to
decide what kind of group health insurance policy you want to provide for
your employees and their families as well as to fit within your budget. You have to
decide what kind of medical needs you can anticipate for your
company's
situation.
For
businesses group insurance is often chosen based upon a combination of
the premium that is affordable for the company and the benefits the
company wishes to provide for its employees.
For many the
answer is simply the kind of policy that makes you feel your family is
safe.
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What
is a Rate Guarantee?
A level rate
guarantee simply means that your premium will not change for a
guaranteed period of time. Generally small group plans do have a
rate guarantee. Usually the health insurance company
re-evaluates its rates every six months to a year. This varies
based upon the health insurance carrier.
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What
is the difference between a PPO - HMO - and Indemnity Plan?
Group health insurance
companies generally offer a variety of health insurance plans and
options. A PPO is generally a health insurance plan which
provides increased benefits when you go to participating panel medical
providers. An HMO generally requires that the plan member goes
to plan providers and pays little or nothing for the visit.
Generally visits to no-plan providers are not permitted except in
emergencies. An indemnity plan is one which generally
permits the plan member to got to any medical provider for covered
injuries and illnesses but pays only a percentage oft the medical
change. Many plans offer a combinations of the above will
varying benefits. Which plan you choose will depend upon
your particular needs and interests.
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What
premium payment options do I have?
3dquote.com
online quotes are for monthly group health insurance premiums. Most
employer group health
insurance companies offer health
insurance premiums on a monthly basis.
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How
long will this take?
The health
insurance company cannot begin underwriting your health insurance
policy until you have completed and returned your signed application
to the health insurance company and they have received your payment.
. Generally it takes one to two weeks to complete this process. If
the health insurance company has to get your doctor's records it will
generally take 4 to 6 weeks since the health insurance company has to
depend upon your doctor's promptness in providing them the records
they need.
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What
about my privacy?
3dquote.com
is committed to protecting your privacy. You can rest assured that we
respect your right to keep information that you provide confidential.
The information that we receive from this website will not be not be
used for any purpose other than its intended purpose of assisting you
in securing the best health insurance policy that is available for
you.
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Who
are the PANEL PROVIDERS?
3dquote.com
provides you direct links to
Blue
Cross,
Blue
Shield,
HealthNet,
CalFarm,
Universal
Care, and
PacifiCare,
for complete and current lists of their respective panel medical and
hospital providers. Bear in mind that these links are serviced
directly by the respective insurance companies and as a consequence
the dates and times of their routine maintenance are not within our
control. However, if you have any difficulties at all, give us a
toll free call, and we will provide you free information, and provider
booklets, to help you with your health insurance purchasing decisions.
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Can I
Download Application From The Web Site?
3dquote.com
offers health insurance applications that may be downloaded and
printed from our web site. These
forms are in the PDF format. You must have Adobe Acrobat Reader to
view these forms. This
software is available for FREE from the Adobe Acrobat Web Site. Click
the icon below and verify that your version of Acrobat Reader is the
most current version available. Please note we do not provide
Technical Support for Acrobat Reader Software. To download
insurance applications, click here.
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