Here are some commonly asked questions and answers that might be helpful to you:
What is The Insurance Store?
The Insurance Store is an easier, faster, smarter way to shop for health coverage. We’re a company with a simple mission: to help people like you find a great value at the right price. And we make the process easy and fast by doing all the research for you.
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How does The Insurance Store work?
You just call us and shop right over the phone. One of our specially trained Insurance Store Advisors will answer your questions, help you compare plans in your area, and show you how much you could save each month. Once you've found the individual or family health care plan that fits your needs, you can enroll right over the phone.
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How can The Insurance Store help me save money on my health insurance?
By crunching the numbers on all the individual health plans in your area to find out which one has the price that best suits your budget. We also look at your specific health needs to help us choose the most economical plan.
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Is shopping at The Insurance Store really free?
Yes. If you choose one of our plans, you’ll pay only the cost of the plan itself. There are no additional costs or fees to shop at The Insurance Store.
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What types of plans are available through The Insurance Store?
We offer affordable individual, family and short-term health care plans with a range of generous benefits. We have plans available with low deductibles and premiums, plans that let you customize your benefits, and plans with strong preventive benefits. We also offer plans for people with Medicare.
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What is an individual health plan?
An insurance policy you buy independently, not as part of a group. It’s a good option if you are self-employed, unemployed, have no group health insurance, or aren’t eligible for Medicare. It’s also a good option for people who pay too much for a group plan, or for uncovered spouses and/or children of people in a group plan.
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If I already have a group plan, can I save more money with an individual plan?
Even if you are enrolled in a group health plan, you might be able to save more money with an individual plan from The Insurance Store. Just call us and we can help you decide if you should switch.
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Will I receive visits from salespeople?
Absolutely not. No salespeople will come to your house. During the plan enrollment process, the only person you need to speak with is an Insurance Store Advisor.
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Is your site secure?
Yes, we use 128-bit SSL Encryption, which ensures that your personal information is safe and secure at all times. Furthermore, we respect your privacy. We will not distribute or sell your information to other companies.
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Do you follow regulatory guidelines set by state Departments of Insurance (DOI)?
Yes, The Insurance Store works closely with state DOIs to ensure that we are in compliance with all their most current rules and regulations.
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Will I be able to keep seeing my doctor?
In many cases, the answer is yes. Many plans we offer are associated with extensive networks that include up to 350,000 providers—which makes it very likely that your doctor is already a member. With these plans, you can visit any in-network doctor or hospital at discounted rates. Depending on the plan, you may also be allowed to visit out-of-network providers, although your share of costs for treatment may be higher.
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Is The Insurance Store owned by a health plan company?
No. The Insurance Store is not affiliated with any health plan carriers. Our independence allows us to give you unbiased, objective advice and a wide choice of health plans.
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Once I'm enrolled, how will I access my health care benefits?
The same way you do with any plan. You'll have a membership card, and you'll communicate directly with the insurance plan that you choose.
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