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Frequently Asked Questions

  • Where can I file a complaint about my health insurance?
    If youre not satisfied with how your insurance company addresses your complaint, every state has an insurance department to help with questions or complaints. To find out more, contact your state insurance department. Ask if your state has a consumer assistance program that can help you file an appeal. The National Patient Advocate Foundation may b
  • Why do you need health insurance?
    It's no secret that health care is expensive today. The government says the cost to treat a broken leg can run $7,500 and an average three-day stay can set you back $30,000. Without insurance, many Americans would be one health setback away from financial ruin. Regularly paying a set premium for health coverage assures that money will be available
  • What should you look for in an insurance company?
    In addition to being financially secure, the life insurance company you choose should have a good claims payment history and good customer service. Independent sources such as A.M. Best Company rate insurance companies. HSBC works with insurance carriers who have a rating of A- rating or better by the A.M. Best Company.
  • What types of health insurance are available?
    There are different plans designed to suit specific need. These include: Major Plans - This type of policy is usually effective in covering serious illness or injury where costs are high. Hospital care, remedies and doctor's visits, are usually covered. It includes Indemnity plans, Preferred Provider Organization (PPO) plans, Health Maintenance Org
  • Can your employer change your health insurance carrier and level of benefits during the year?
    Yes. It is completely up to the employer whether or not they will offer health insurance to employees at all, and they can change carriers and level of benefits at any time.
  • I’ve never shopped for health insurance before. How will the marketplace help?
    All private health insurance plans offered through the state marketplaces must offer the same set of "essential health benefits" as defined under the Affordable Care Act. These include: emergency care; lab tests; prescription remedies; preventive care; maternity, newborn and pediatric care; and treatment for mental health disorders and substance ab
  • How individual health insurance works?
    If you're used to getting insurance through an employer, buying your own is a change. Health care reform also changed individual and family health coverage. We'll help you understand it better so you can make the right choice.
  • What should you do if you cant afford insurance?
    Depending on your income, you may be eligible for lower-cost, subsidized coverage purchased through Obamacare's state health insurance exchanges. Or, you may qualify for low-cost coverage.
  • How do you find the right health insurance plan?
    Get in touch with your specialist, make an estimate of your healthcare needs, and weigh the risk vs. reward to be able to find the right health care plan for yourself.
  • Which are the different types of health insurance?
    Health Savings Account, Indemnity Plans, Points of Service, Exclusive Provider Organization, and High-deductible health plans are some types of health insurances.