FAQs and Hassle-Free Coverage | Prism Benefits Solutions

Find answers to commonly asked questions about life insurance without medical exams at Prism Benefits Solutions. Our hassle-free policies eliminate the need for medical underwriting and physical exams. Discover how you can secure coverage quickly and conveniently. Get the information you need to make an informed decision about protecting your loved ones.

What is private market PPO health insurance?

Private market PPO health insurance is a type of coverage that offers flexibility to choose doctors and specialists, both in-network and out-of-network, without requiring referrals.

How does a PPO plan work?

With a PPO plan, you can see any doctor or specialist without needing a referral. You’ll have lower out-of-pocket costs when using in-network providers, but you can also see out-of-network providers at a higher cost.

What are the benefits of a PPO plan?

PPO plans provide more freedom to choose healthcare providers and specialists. They’re suitable if you want more control over your medical decisions.

Are there out-of-network benefits with PPO plans?

Yes, PPO plans usually offer some coverage for out-of-network care, but you’ll generally pay more in terms of deductibles, copayments, and coinsurance.

Can I see specialists without a referral?

Yes, one of the main advantages of PPO plans is that you can see specialists directly without needing a referral from a primary care physician.

Can I use my PPO plan for family coverage?

Absolutely! PPO plans offer family coverage options to ensure all members of your family are protected.

How do I compare different private market PPO plans?

Compare plans based on coverage, costs (premiums, deductibles), network size, out-of-network benefits, and prescription coverage.

How can a health advisor assist me with choosing a PPO plan?

A health advisor can help you navigate the complexities of PPO plans, understand your options, and find a plan that aligns with your needs and budget.

Do I need to undergo a medical exam to qualify for your life insurance?

No, we do not require any medical underwriting or physical exams. You can get life insurance coverage without the need for in-office or in-home exams.

How can I apply for life insurance without a medical exam?

Our application process is streamlined and simplified. The application will include questions about your health history and lifestyle.During the underwriting of the plan, the underwriter will have access to your MIB file and make a determination based on the questionnaire and the findings in your MIB file.

Will my health conditions or pre-existing medical conditions affect my eligibility?

Your overall health and lifestyle is a determining factor for life insurance, but there are plans available that have less strict underwriting and allow for current conditions and past medical problems. Don’t let a medical condition stop you from talking with a licensed life agent, they can best guide you to the right plan and provider to achieve your goals.

How long does it take to get coverage?

The time it takes to get coverage varies, but our simplified process allows for faster approval times. In many cases, you can receive coverage within a few hours.

Is there a maximum coverage amount available without a medical exam?

Yes, we offer a maximum coverage amount without a medical exam. The specific limit may vary depending on the product and your age. Our insurance agents can provide you with more details.

Can I customize my life insurance coverage?

Absolutely! We offer various coverage options and term lengths to suit your needs. Our insurance agents can assist you in choosing the right coverage amount and term length for your specific situation.

Are there any age restrictions for life insurance without a medical exam?

Our life insurance policies without a medical exam have specific age limits. Generally, individuals below 83 are eligible. Please contact our agents to learn more about the age restrictions that apply for your specific goals.

Personalized Benefits Solutions

We recognize that every family has unique requirements when it comes to life insurance. That's why we take pride in offering a comprehensive range of personalized life insurance options designed to protect your loved ones

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