Insurance Quick Answers

Is there a contract when you buy individual health insurance?

No, you can have the coverage for as long as you wish.

What if I have preexisting conditions can I still get health insurance?

Depending on the condition you are looking at 3 options. You will get declined, have an option to go with the coverage for a higher premium or have that condition excluded from coverage.

How long does it take to get approved?

There is no set particular time but of course if there are no preexisting condition it can be fairly quick.

What if my coverage was denied by an insurance carrier?

No worries. Most insurance companies have different underwriting guidelines and you should try different carriers until you get approved. Talk to one of our agent to help you find a carrier.

Are my health insurance payments guaranteed?

Yes, for 12 months there is a rate guarantee. If you had your coverage for more than 12 months it is a good idea to shop around with other health insurance carriers to find a better deal.

Does it cost more to go with an agent instead of going direct?

Absolutely not, the health insurance premiums are fixed by law, so whether you go direct or through an agent you will have the same rate. Having an agent on other hand gives you an ability to shop with all the companies and enjoy a personal level service.

I am planning to have a child can I add maternity when I am pregnant?

No, you need to add maternity before getting pregnant. In addition to that make sure to check what are the waiting periods for the maternity coverage to kick in. If you don’t have health insurance and are pregnant, insurance carriers will not provide you coverage.

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We are NOT a "leads" store, we are a full customer service office to help you all the way through the process of getting your quote, setting up your policy and getting your application through underwriting faster!

Health Insurance Information

We provide a wealth of health insurance information to answer any of your insurance-related questions. We hope to educate the you about your health benefits and federal-state health insurance laws...

Health Insurance Information Glossary

Click here to get quick answers about health insurance and read a health insurance glossary to learn about the most commonly used health insurance terms.

Quick Step Guide to buying Health Insurance

The goal when shopping for health insurance is to get the highest amount of benefits, that A rated companies offer for the lowest monthly premium.

1.Personal Need

What is it exactly that you want from your health insurance coverage? This is number one question, when shopping for health insurance or any other type of insurance. There are many options out there but you got to ask yourself do you want a coverage for just catastrophic or do you want something that will provide co-pays to doctors, preventive care and prescription coverage. Really ask yourself how many times your family goes to the doctor per year, is anyone taking Rx, and calculate what financially makes more sense.
Insurance

2.Company Strength

There are many health insurance companies out there competing for your business, some great and some dangerous if not evaluated properly. Check the company rating and overall reputation, don’t go with a carrier if there rating is weak, customer comments online is terrible and if it sound to good to be true it probably is. The ratings that you should look for should be from A+ to B+ any rating below that signifies weakness in the company. In addition you can check with yours states department of insurance or financial services department to get more information on the health insurance carrier, agent, broker and even agency.

3.Plan Picking

Well you picked a strong rated, popular and great health insurance company, now most people would stop there but don’t forget each company has 10’s to 1000’s of different health plans with different purposes. When looking over the health plan check to see if there are any limitations, maximums, and exclusions which can affect you greatly. Compare multiple plans from different carrier with same benefits at their price point.Also check to see the coverage area, in other words does the plan cover you everywhere or just a 5 mile radius.

4.Current Medical Providers

You finished all the previous steps and picked a health insurance plan, now the last thing between the health insurance plan and you is figuring out if all your doctors, hospitals and other medical facilities you have been going to for years are in the network. Make sure you providers will accept your new health insurance plan because if not. It can create a large hole in your pocket.

Follow this 4 step process to secure a health insurance plan that meets all your needs and budget. After all buying health insurance is an important buying decision.

Types of Health Insurance

There are different types of health insurance plans, it will save you time and headaches by knowing how each type works.

HMO (Health Maintenance Organizations) Health Insurance Plan An HMO is a managed care health insurance — meaning you get your care from a "network" of doctors and hospitals. HMO's are sometimes the cheaper plans available. Some downfalls are that you primary doctor serves as a gatekeeper and dictates your treatment.
PPO (Preferred Provider Organizations)Health Insurance Plan PPOs are another form of managed care, but provide more flexible coverage than HMO's. With a PPO you can go to in network doctors for fixed copays and higher discounts or outside of network to any medical provider. PPO’s are the most popular choice in the individual market.
POS (Point of Service) Health Insurance Plan A POS plan is simply a combination of an HMO and PPO plan. This is a great plan for those who like to get HMO type coverage with freedom of a PPO.
FFS(Fee-For-Service)Health Insurance Plan FFS plans are not managed care, but the traditional form of health insurance. Even though they cost more than other plans on the market they provide comprehensive coverage.
HSA ( Health Savings Account) Health Insurance Plan
HSA's give you the ability to pay for your expenses and save while earning interest tax deferred amount to pay for future qualified medical expenses. This must be a high deductible plan, in most case with no co-pays which makes it more affordable with huge tax advantages.

Why pick WhiteKnightInsurance.com to get free health insurance quotes?

No matter what your financial, health or marital status we will find a health insurance plan for you. Here are some good reasons why you will choose us as your premier source for free health insurance quotes.

We are not a lead or marketing company

WhiteKnightInsurance.com is an actual health insurance agency that specializes in providing fast, affordable and free health insurance quotes. You will only get a call from our expert agents that are ready to help you with health insurance shopping.
We are a broker of health insurance products?
This ensures you to get quotes from all the major health insurance carriers available. Because we are no tied to any one health insurance company we have the ability to give you an unbiased advice with large choice of health insurance quotes. Some of our health insurance carriers are Unite Health One, Humana One, Aetna, Cigna, Assurant, AvMed and Avalon Health.

We are a full service insurance agency

Not only we help individuals secure right health insurance coverage. Here at WhiteKnightInsurance.com helping underwriting process go smoother is part of our daily operation. We also provide full customer service so that if you ever have a question or concern you will get a licensed agent on the line to assist you. In addition we provide a free policy evaluation at the end of the year when premiums increase, that way we make sure you save money year after year and maintain highest level of health insurance protection.

We offer expertise in the field of health insurance coverage

While shopping for health insurance our agent are available to make your decision making process a lot easier by answering confusing questions, recommending a plan and provide tips on health insurance shopping. Our agent are dedicated to make your health insurance search be pleasurable.

Call us today at 1-888-492-1967 to get free health insurance quotes and expert advice!!!!!!!

Health Reform Quick Facts

Health care reform is a hot topic and we are dedicated to providing details as updates take place. Please be advised that the Health Reform passing doesn't mean you don't have to buy health insurance, it will go in effect in 2014 and it basically made a few changes to the industry.

Require Citizens and Legal Residents to purchase health insurance.
Majority of the bill does not take effect till 2014 with some of it even later
Health Insurance premiums are predicted to rise
Health Insurance companies will be required to take people with pre-existing conditions
People without health insurance coverage will be fined
16 States are currently suing against the bill due to unconstitutionality of the bill, due to requirement of purchasing health insurance

Health reasons that affect your health insurance premium.....

Smoking can cause your premium be significantly more than usual, especially in a higher age bracket.
Weight and Height ration can also affect your health insurance premiums
Pre-existing conditions, sometimes companies will increase your health insurance premiums due to medical condition you already have.

Improving in these areas can shave off 100's to 1000's per year on you health insurance premiums.