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Q: Can I get a better rate by going to the company directly?
A: No. Insurance companies file rates with the state division of insurance. They are not allowed to change them if a customer buys direct from the company instead of using the services of a broker.
Q: Why use a broker?
A: Dealing with insurance companies can be difficult, but a well-qualified broker can make the experience less frustrating. For our part, The Hartmeister group helps you choose the right plan to meet your needs and budget, then finds accurate quotes for the plan you want. We are experts in the application process of all plans we represent, and we know how to streamline the underwriting process for quicker decisions. Finally, we are your advocate for any customer service or claims issues that may arise.
Q: What are Health Savings Accounts?
A: Health Savings Accounts combine a high deductible health plan with a tax-deferred savings account. If the money in the savings account is not used up in a calendar year, the remainder rolls over to the next year. These plans offer lower insurance premiums when compared to co-pay plans, but carry a higher deductible. Health Savings Accounts are not right for everyone, but our qualified agents can help you determine whether it’s right for you.
Q: Can I get maternity insurance for routine childbirth?
A: Yes. Several individual product options exist for people seeking maternity, and all group health insurance plans offer maternity coverage. Contact our qualified agents to determine the best maternity plan for your situation.
Q: I have a pre-existing condition. What can I do?
A: Many factors determine eligibility, and every insurance plan is unique. We’ll help you determine options for even the most serious medical conditions. Contact us today.
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