| Advisor Profile |
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About Agency Marketing Services |
| Instant Online Quotes, Medical, Dental, Life for Business (group) and Individuals and Families. Blue Cross, Blue Shield, Kaiser, Healthnet, Pacific Care, Cigna, United, Delta Dental, Safeguard, Western, Lincoln, Transamerica, Westcoast, and many more companies to choose from. |
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Frequently Asked Questions |
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| Q. |
What are your rate plans? |
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We offer the latest low rates for Blue Cross, Blue Shield, Health Net, Pacific Care, Cigna, Nationwide, Celtic all our plans. |
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| Q. |
Are pre-existing conditions covered? |
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Call for specific information regarding Pre-existing condition, as some are covered depending on the company. Group plans are guaranteed and no one can be turned down. |
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Can I choose my own healthcare provider? |
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Using an HMO you can choose from all the contracted providers and change when ever you want. Using a PPO you can select a contracted provider at any time. |
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Is there a waiting period? |
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PPO plans may have a waiting period from 90 days to 1 year depending on the company and plan. HMO's have no waiting period. |
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Does this plan include dental coverage? |
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Dental plans are seperate stand alone plans. |
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What carrier(s) do you represent? |
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We represent over 400 carriers inclucding all the top rated carriers like Lincoln, Transamerica, Prudential, John Hancock, Hartford, ect.. |
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Are there any pre-existing conditions that you can not cover? |
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No, there is a plan for everyone. |
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| Q. |
How long does it take to complete the application and approval process? |
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Anywhere from 48 hours to 4 weeks. |
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| Q. |
Is there a maximum age that you can insure? |
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What are your rate plans? |
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We represent Blue Cross, Blue Shield, Health Net, Pacific Care, Cigna, Nationwide, Celtic and offer the best rates available. |
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What is covered? |
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Routine care, basic and major care are covered. See each policy for specific coverages as they vary by company and plan. |
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| Q. |
Are pre-existing conditions covered? |
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With an HMO dental there are usally no pre-existing conditions. PPO's require waiting periods of 3 months up to 1 year for pre-existing condidtions. |
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Can I choose my own dentist? |
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With an HMO you can choose from any contracted dental office and change at any time. With PPO you can choose from either contracted or non contraced dental offices, however benefits will vary. |
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Is there a waiting period? |
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HMO's have no waiting period, while PPO's have waiting periods from 3 months to 1 year. |
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