Health Insurance FAQs

We understands busy schedules. With that in mind, here's a no-frills, easy-access guide to health insurance.

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

How do I apply and how long will it take me for my application to get approved?

When you receive your application (via e-mail, PDF download or U.S. mail), please fill it out and return it to:

Seabury & Smith
HealthInsurance.com Application Processing
1440 Renaissance Drive
Park Ridge, IL, 60068-1400

The HealthInsurance.com application processing department will prescreen the application and then forward it to the carrier for further medical underwriting. Please do not cancel any coverage you may already have until a final offer is made and a policy number is issued.

When you receive your application (via e-mail, PDF download or U.S. mail), please fill it out and return it to: Seabury & Smith HealthInsurance.com Application Processing 1440 Renaissance Drive Park Ridge, IL, 60068-1400 The HealthInsurance.com application processing department will prescreen the application and then forward it to the carrier for further medical underwriting. Please do not cancel any coverage you may already have until a final offer is made and a policy number is issued.

Does the plan include physician co-pays or dental benefits?

Yes. Most of our carriers offer these options.

Is my doctor part of the PPO?

A book of all participating doctors will be sent to you upon approval of your policy. Also, most PPO networks have a website on which you can search for your current physicians. As you review plans on our site, you can click the "Provider Search" button to see a listing of the providers offered by a particular insurance carrier.

Are all insurance carriers reputable?

Seabury & Smith requires all its major medical carriers to be rated at least an "A-" by A.M. Best, an independent insurance-rating company.

Why are these plans not available in all states?

A quote is strictly a "base" premium based on the data (date of birth, city, etc.) given. Final rates are based on full medical underwriting, including an application. After the carrier receives the application, medical underwriting can include a phone interview, a urine specimen, a physical exam or some combination thereof. The majority of the underwriting lies in the application and phone interview. The carrier can also request full medical records from your provider. Based on all of this information, a final medical decision will be made; i.e., approved as-is, approved at a higher rate, approved with a rider or declined.

Why are these plans not available in all states?

Due to strict state legislation, most insurance carriers do not write new business in all states. Seabury & Smith is committed to bringing you the most competitive insurance products available, and will continue to explore other options where products are not currently available.

Do I need to answer questions regarding my medical history?

Yes. Because this is an individual and not a group policy, the insurance carrier will medically underwrite your application. Your application may be approved, your premium may be adjusted or you may be declined based on this medical underwriting.

What about pre-existing conditions?

Some of our carriers will consider covering pre-existing conditions with an increase in your premium to cover ongoing medications or treatments. Keep in mind that with some carriers, pre-existing conditions are normally not covered during the first 12 months of the policy. Other pre-existing conditions cannot be covered. We will provide you with a list of these conditions as part of our quoting process.

 

Is this policy endorsed by my association?

Your association endorses Seabury & Smith's "HealthInsurance.com" approach to making individual health insurance coverage available to its members. That means that in order to provide you with a competitive product that meets your specific needs, Seabury & Smith works with a variety of individual carriers.

 

A.M. Best’s Disclaimer

Marsh Sponsored Programs, a division of Marsh USA Inc. (Marsh) makes no representations or warranties, expressed or implied, concerning the financial condition or solvency of any insurers. A.M. Best’s Ratings are under continuous review and subject to change and/or affirmation. For the latest Best’s Ratings and Best’s Company Reports (which include Best’s Ratings), visit the A.M. Best website at http://www.ambest.com. See Guide to Best’s Ratings for explanation of use and charges. Best’s Ratings reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of Marsh or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Ratings. Best’s Ratings are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.

Standard & Poor’s (S&P) Disclaimer

Marsh Sponsored Programs, a division of Marsh USA Inc. (Marsh) makes no representations or warranties, expressed or implied, concerning the financial condition or solvency of any insurers. Standard & Poor’s (“S&P”) ratings are under continuous review and subject to change and/or affirmation. For the latest S&P ratings and reports, visit the S&P website at http://www.standardandpoors.com. S&P ratings reproduced herein appear with the written permission of S&P and do not constitute, either expressly or impliedly, an endorsement of Marsh or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. S&P is not responsible for transcription errors made in presenting S&P ratings. S&P ratings are proprietary and may not be reproduced or distributed without the express written permission of Standard & Poor’s.

Moody’s Disclaimer

Marsh Sponsored Programs, a division of Marsh USA Inc. (Marsh) makes no representations or warranties, expressed or implied, concerning the financial condition or solvency of any insurers. For the latest Moody’s ratings and reports, visit the Moody’s website at http://www.moodys.com. The Moody’s ratings reproduced herein do not constitute, either expressly or impliedly, an endorsement of Marsh or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. Moody’s is not responsible for transcription errors made in presenting Moody’s ratings. Moody’s ratings are proprietary and may not be reproduced or distributed without the express written permission of Moody’s.