Non Prescription Health Products

Are you over the age of 40?

Are you working out to lose weight?

Are you currently dieting?

Do you want to look and feel younger?

If you answered yes to

any of these questions,

 click HERE to read the brochure

 on this exciting new product!

Feel free to call us for product and ordering information at  1-888-841-9455

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FAQ'S

Q. What is a PPO?

PPO stands for preferred provider organization. This is a group of providers, usually doctors and hospitals, who have agreed to provide these services at lower prices. You may use out of network providers but your out of pocket cost will be more.

Q. What is an HMO?

An HMO is a Health Maintenance Organization.  You must select a primary care physician from within the HMO network. Your primary care physician will be the first medical provider you call. He or she will make any needed referrals to a specialist. Typically, these specialists will be part of the HMO network.  If you obtain care without your primary care physician's referral or obtain care from a non-network member,  you may be responsible for paying the entire bill, (with exceptions for emergency care). Your out of pocket cost will vary depending on the HMO. 

Q. How long will it take for my application to be approved?

Most underwriting is completed in approximately 4 weeks.  The company may request medical records from your doctor.  Keep in mind that while some doctors are quick to turn this information around, some are very slow and this may affect the time it takes to approve your application.

Q. Do health insurance plans cover dental care?

Proper dental care is considered a budgetable expense. Health insurance plans do not cover routine dental care. Stand alone dental policies are available.

Understanding Health Insurance Terms

COINSURANCE- The amount you are required to pay for medical care in a fee-for-service plan after you have met your deductible.  The coinsurance rate is usually ex-pressed as a percentage.

COPAYMENT- Another way of sharing medical costs.  You pay a flat fee every time you receive a medical service.  The insurance company pays the rest.

DEDUCTIBLE- The amount of money you must pay each year to cover your medical care expenses before you insurance policy starts paying.

EXCLUSIONS- Specific conditions or circumstances for which the policy will not provide benefits.

PREMIUMS- The amount you or your employer pays in exchange for insurance coverage.

PRIMARY CARE PHYSICIAN- Usually your first contact for health care.  This is often a family physician or interest, but some women use their Gynecologist.  A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.

PROVIDER- Any person (Doctor,Nurse,Dentist) or institution (Hospital, or Clinic) that provides medical care.

THIRD PARTY PAYOR- Any payor for health care services other than you.  This can be an insurance company, an HMO, a PPO, or the Federal Government.

MAXIMUM OUT OF POCKET- The most money you will be required to pay a year for deductibles and co-insurance.  It is a stated dollar amount set by the insurance company in addition to regular premiums.

PRE-EXISTING CONDITIONS- A health problem that existed before the date your insurance became effective.