frequently asked questions

What does it cost to work with Heartland Health Insurance?

Absolutely nothing!  We are compensated by the various insurance carriers we work with, so there is never any cost to work with us.

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Why can't I just do this on my own?

If you haven't realized by now, buying health insurance, especially these days, can be very complex.  We can help make things easy for you by walking you through all your options and setting up your coverage.  And after you're approved we will be here for you as long as you're insured if you have questions.  And the rates are the same whether you work with us or do it on your own, so you might as well have us do the heavy lifting for you!

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Can I keep my current doctors?

We only work with the nation's most recognized and reputable health insurance carriers with the largest provider networks available.  You should be able to keep most, if not all of your doctors.

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Is there a contract with health insurance?

Nope!  You can cancel anytime.  You can be our client for 10 years or 2 days.  We only ask that you give us a week or two notice if you want to cancel to allow the insurance carrier to process a cancellation.

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How and when do I make my payments?

Most insurance carriers require automatic deductions from either your checking account or your credit/debit card.  We always recommend using your checking account, as it is the most secure.  Payments are taken out automatically once a month, and the first payment is generally taken out on the effective date of your coverage.

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How long does it take to get quotes and set everything up?

Once we are on the phone, we can go over options and have you completely set up with coverage in as little as 10 minutes!

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What types of clients do you work with?

We like to focus on the "little guys". Here is a list of the typical clients we serve:

  -Self-employed or small business owner
- Independent contractor
-Those who recently lost their job or are unemployed
-In a new job with grace period before benefits begin 

-Students
-Anyone on COBRA
-Those who are on an overpriced ACA/Marketplace/Obamacare plan
-Anyone who wants to save money on their health insurance 

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What's the difference between an ACA(Affordable Care Act) plan, a Marketplace plan and "Obamacare"?

Pretty much all the same!  The Affordable Act was the health care overhaul that was signed into law in 2010. "Obamacare" is just a slang word for an ACA plan or a marketplace plan.  These plans are often very expensive and becoming less and less popular due to their high costs and lack of medical providers who accept them.  We have much better and more affordable alternatives!

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Will I get a tax penalty for not having an ACA plan?

Nope, not anymore!  The "individual mandate" to have an ACA plan was repealed and went into effect January 1st, 2019.

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What states do you serve customers in?

We work with clients nationwide!  It does not matter where you are, we can help you!

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Do you have a referral program?

Yes we do!  For each new client you refer to us that signs up for a policy we'll send you a $25 gift card to anywhere of your choice!  And there is no limit as to how many gift cards you can get!

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I don't have time to come to an office, can this be done over the phone?

Absolutely!  In fact, that's how we do 99% of our business.  Everything is done right over the phone in a matter of minutes so you can get on with your day!

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