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Glossary of Useful Terms

  • Premium - The amount you pay for your insurance, usually paid on a monthly basis. Premiums are sometimes referred to as a "fixed cost" because the the amount stays the same, regardless of how you use your insurance.
  • Out-of-Pocket Maximum - The total amount you have to pay before the insurance company will cover the remaining costs. Out of pocket costs are a combination of deductible, co-insurance and co-payments.
  • Deductible - A specified amount that you agree pay to each year before your insurance covers the remaining costs for that year.
  • Co-insurance - The percentage of payment you are expected to cover out of the total cost of a service.
  • Co-pay - The amount you pay for a particular service, usually for prescription drugs or a visit to the doctor.

What happens after I finish my application?

Once you've signed and submitted your application, a few things will happen:

  • Review - Our team will review your application and reach out to you if anything appears to be missing or we have additional questions.
  • Submit - When we've confirmed that your application is ready to go, we'll submit it to the insurance company for approval.
  • Approved - The insurance company will then review your application and notify you when you've been enrolled. This usually takes about 2 weeks, but can often be much sooner.
  • Covered - Your coverage will begin after you receive the final policy from the insurance company and pay your first premium.