| |
|
| |
Request Additional Information |
|
|
|
|
|
|
| |
| |
| |
|
|
| |
|
| Business Description |
 |
Providing Life, Health, Dental and Supplemental Insurance Products to individuals, families, self-employed persons and small businesses. Full line of supplemental products for small to large groups. Licensed in PA, OH, VA, WV
|
| Services Offered |
|
| |
To submit a request please click on the services offered below.
|
|
| |
|
|
| |
|
|
|
| Frequently Asked Questions |
|
| Q. |
Do you have a customer satisfaction or refund policy? |
| |
We follow State Insurance Laws closely. Policyholders will always have rights of cancellation. In PA, there is a free look period where you can cancel your program without cost in 10 days. |
|
| Q. |
What are your rate plans? |
|
| Q. |
What is covered? |
| |
This will vary depending on the policy and carrier. |
|
| Q. |
Are pre-existing conditions covered? |
| |
Most insurance plans have limits on pre-existing policies. The HIPAA law gives some ability for recently displaced workers the chance to obtain alternate coverage without consideration of such conditions. How individual insurance companies apply pre-existing conditions varies but most will exclude coverage for those conditions for a period of at least six months. |
|
| Q. |
Can I choose my own healthcare provider? |
| |
You can choose your own provider in indemnity and PPO programs. With PPO, you get better coverage for staying in the network and if your doctor is out of the network, your benefits may be reduced. In HMO coverage, you must use a network doctor. |
|
| Q. |
Is there a waiting period? |
| |
Some carriers do apply waiting periods. This will depend on insurer. |
|
| Q. |
Does this plan include dental coverage? |
| |
Most health plans do not cover dental. Some will provide some coverage. This will depend on the carrier. I do offer a full line of dental and supplemental dental products to choose from. |
|
| Q. |
What carrier(s) do you represent? |
| |
American Family Life Insurance of Columbus (GA) AFLAC |
|
| Q. |
Are there any pre-existing conditions that you can not cover? |
| |
There is a list and I will provide it upon request. |
|
| Q. |
How long does it take to complete the application and approval process? |
| |
Policies will usually issue in 2-3 weeks but normally no more than 30 days. If there are no issues on the application, the issue date should be fairly quick. |
|
| Q. |
Is there a maximum age that you can insure? |
| |
Currently, age 70 is the maximum on some policies and age 65 on others. |
|
| Q. |
What are your rate plans? |
| |
This varies by state. I will provide a rate quote upon request. |
|
| Q. |
What is covered? |
| |
Preventative, Major and Minor Restorative. No coverage for Orthodontics or Cosmetic. For small businesses of 3 or more, Orthodontics and Cosmetic can be covered as a rider. |
|
| Q. |
Are pre-existing conditions covered? |
| |
Coverage cannot be provided for anyone who has been treated for gingivitis in the past two years. |
|
| Q. |
Can I choose my own dentist? |
| |
Yes, there are no networks and no precertifications. |
|
| Q. |
Is there a waiting period? |
| |
There are varying limits depending upon the service but no waiting period for preventative. |
|
|
|
|
|
| |
|
| 0 reviews |
|
|
|
0 members recommended this business |
|
|
| |
Please provide you review |
| |
|
| |
Your Recommendation |
| |
| After using G Photography Inc., would you recommend this business to your friends? |
|
|
|
| |
Your Information |
| |
|
| |
|
|
|
|
