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| HealthInsurance |
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| What is the difference between HMO andPPOM? |
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| Is my doctor in the PPOMnetwork? |
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| What happens when I have an emergency and I amout-of-state? |
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| Do I have to be employed in order to receive a healthpolicy? |
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| Will my pre-existing condition becovered? |
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| Do I have to meet my deductible before going to adoctor? |
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| When can coverage begin? |
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| Can I get dental coverage? |
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| What is a group plan? |
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| Can I have a plan that will covermaternity? |
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| LifeInsurance |
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| Can I get life insurance for mychildren? |
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| Whatis term life insurance? |
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| Whatis permanent life insurance? |
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| How much life insurance do Ineed? |
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| How do I get lifeinsurance? |
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| How do I pay for a life insurancepolicy? |
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| What happens if I become disabled and can’t paymy life insurance premium? |
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| Click here to ask your unique question notasked above |
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Life insurancepolicies for children are available. Also, child rider options areavailable on a parent’s policy. |
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In a case of adeath, the beneficiary will receive the face value of your policy. Youare guaranteed no premium increase for the total number of years a termpolicy is taken. |
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What is permanentlife insurance?
After a number ofyears, a permanent life insurance policy will increase in face value.Also, there is a cash build up in the policy and can eventually be usedas a supplement to retirement. |
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How much life insurance do Ineed?
Usually a face value seventimes your income. (An agent could help you determine your needs). |
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How do I get lifeinsurance?
A completed applicationand physical would be required. |
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How do I pay for alife insurance policy?
You can payannually, semi-annual, quarterly, or with a monthly withdrawal fromchecking account. |
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What happens if Ibecome disabled and can’t pay my life insurancepremium?
An option of Waiver ofpremium is available on a life policy. If you become disabled, thisoption would continue to pay your premiums. |
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What is thedifference between HMO and PPOM?
Withan HMO policy, you will choose a primary physician. You must have areferral from this physician if you wish to see anotherphysician, likea specialist. With a PPOM policy, you can go to any physician in thenetwork and no referral is required. |
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Is my doctor inthe PPOM network?
Over 90% of alldoctors in Metro Detroit are in the network. If you wish to view a listof doctors and hospitals in a PPOM directory, visit the Internet at:www.ppom.com - or call usat: 1-800-499-3436. |
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Whathappens when I have an emergency and I amout-of-state?
Emergency roomservices provided at non-network (non-PPOM) hospitals will be paid bymost carriers at the network benefit levels contained in the individualor group policy. |
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Do I have tobe employed in order to receive a healthpolicy?
Employment is not required for apermanent health policy with most companies. Short-term policies arealso available for the unemployed and for people in betweenjobs. |
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Will mypre-existing condition be covered?
Most reliable carriers will pick up pre-existingconditions with an additional premium, or after a waitingperiod. |
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Do I have tomeet my deductible before going to adoctor?
In most cases, you have aco-pay and any x-rays or lab tests are covered at 100% if conducted ina PPOM doctor’s office. |
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When can coveragebegin?
Most companies allow coverageto begin immediately once an application is approved (generally 2 to 4weeks). If replacing an existing health insurance plan, you can choose your own effective date.
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Can I getdental coverage?
Some healthpolicies carry dental coverage as an option. Discount options may be available.
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What is agroup plan?
This is a plan for abusiness. The employer usually must contribute a portion of their employees’premium. |
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Can I have aplan that will cover maternity?
Yes,we have plans that offer maternity coverage.
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