FAQs

The Process : Applying for Insurance : Rates : Health Care 101 : Customer Service

The Process
Will I have an agent?
How is Premier Financial Group different?
Does it cost me anything to get a quote?
What are your hours of operation?
Do you only sell health insurance?
What is Premier Financial Group relationship to the health plans?

Applying for Insurance
How quickly will an insurance policy become effective?
How do I get and submit a health insurance application?
Who do I contact if I have a question about my application?
How long before I will receive a status on my application?
What if I want to modify my application?
Do I have to include a payment with my application?
Do I have to take a physical exam?
Do you offer stand-alone dental, prescription or life insurance coverage?

Rates
How is my rate determined?
Will my rates ever go up?
Is the rate higher for someone who is a smoker?

Health Care 101
What is the best coverage for me?
What is an HMO?
What is a POS?
What is a PPO?
What is a MSA?
What is a PCP (Primary Care Physician)?
What is a provider?
What are plan benefits?
What are covered or reasonable and customary expenses?
What is a deductible?
What is a copayment?
What is coinsurance?
What is an estimated premium?
What is a drug formulary?
What is a physician network?
What does lifetime maximum mean?
What is an out-of-pocket maximum?
What is the difference between in- and out-of-network providers?

Customer Service
Who do I contact when I have a question?
How do I make changes to my policy?
Do I have to do anything to renew my policy?
My policy cancelled because I forgot to make my payment, what do I do?
What do I do if I have a claim?