Disclaimer

Disclaimer Notices

Peoples Health Insurance, LLC, Provides Free Information on health insurance and other health coverage options. Some products and services may not be available in all states, and no assurances of the same are made herein.

Important Information when you are applying for Health Insurance
If you are currently covered by Health Insurance, DO NOT CANCEL YOUR POLICY. Also, DO NOT DECLINE COBRA BENEFITS until you have received an approval letter and/or the insurance policy (sometimes referred to as the insurance contract or the insurance certificate) from the insurance company you have selected with our agency.

It is IMPORTANT that you UNDERSTAND and AGREE with the terms, limitations, riders, and exclusions of your insurance policy. Give SPECIAL ATTENTION to the policy’s effective date, premium amount, waiting period, and other important provisions.

Underwriting Disclaimers
Quotes, prices and/or rates displayed on our Web site are only estimates. Premium figures and coverage are subject to change based on many factors that include, but are not limited to, your medical history, the insurance company’s underwriting practices, optional benefits you select, and other relevant factors. The insurance company determines your actual policy premium amount and reserves the right to change the terms of a policy upon proper notification. Additionally, there is NO expressed or implied guarantee that you will be offered health insurance coverage. Check with the insurance company about any HIPPA provisions that may affect your access to coverage.

Quotes, prices and/or rates displayed are ONLY for the requested effective date. A different effective date for the policy may affect the actual premium of your policy. Any change in price may be due to many factors such as premium increase, policy changes from the insurance company, or one of more family members having a birthday (rates are very age sensitive). The insurance company you have chosen may not guarantee their rates for any period of time.

When you are issued a policy, this does not guarantee benefits. Availability of benefits is subject to eligibility and other terms, limitations, and exclusions of the policy. This includes, but is not limited to, the pre-existing waiting period. Deductibles, co-payments, and co-insurance amounts are your share of the costs for covered benefits and are subject to change. Each insurance company may have unique notices, disclaimers, and fees related to the policies they issue.

Some insurance companies may require dependent children to apply separately when they reach the age of majority or at another given age. These limits for dependents can vary by insurance company and by a state’s mandates wherein the insured resides. Some companies may not extend the age limit for dependents even in the event they are full-time students at an accredited college, university, or other institution of higher education.