1. Our policies are issued
in many States and issued as in-state policies.
2. How many doctors are in network?
296,000
3. How many hospitals and outpatient facilities?
3,700
4. Does the plan have a 12 month rate guarantee?
Yes
5. Does the Plan have emergency care?
Yes
6. Does the Plan have Outpatient Services?
Yes
7. Does the Plan have out of network benefits?
Yes
8. Can you self refer to a Specialist?
Yes
9. Does the Plan cover Preventive Care?
Yes
10. Choice of office copay or not?
Yes
11. Choice of
prescription coverage or not?
Yes
12. Deductible range?
$500 to $5,000
13. Out of Pocket expense limit?
$2,000
14. Lifetime maximum benefit?
$5,000,000
15. No lengthy application to fill out. Phone interview?
Yes
16. You may qualify for same day approval?
Yes
17. Have access to your plan information 24 hours a day – plan
benefits, prescriptions, claims, physician finder, email
communications directly to insurance representative for quick
response? Yes
Underwriting and Pre-Existing
Health Conditions
If applying for an
Individual / Family insurance policy it will be an individually
underwritten policy. This means before the policy is issued you
will be subject to underwriting on a individual bases. Premiums are
determined by the age, sex, location, and health factors of each
person or family to be insured, just as any other “individually
underwritten” coverage. Depending on the laws in your state, coverage
for certain conditions may be excluded or modified, a higher premium
may be charged, or coverage could be completely denied.
Most insurance companies
do not require a medical exam for the insurance to be issued. In most
cases, underwriting consist of the completion of an application and
forwarding it to the insurance company for review. With some companies
the application can be completed over the internet or by phone. The
key to helping us help you is full disclosure of health history on
your application. THE MORE WE KNOW, THE BETTER ADVISE AND COUNSEL WE
CAN OFFER PRIOR TO SUBMITTING AN APPLICATION FOR COVERAGE.
Because we represent
several different insurance companies, it is difficult to explain with
any further degree of accuracy the covered expenses, exclusions and
limitations as each insurance company has different criteria, not
only in general, but on a state by state basis as well. We are
certainly one of the very few one-stop shopping locations for
individualized Medical Insurance not just a quote center that
quotes the lowest price not knowing if you can qualify or not.
INDIVIDUAL / FAMILY Health
Proposal
Please review the
following information before proceeding with the quote data request
form.
About Our Agency and
Our Services
We are contracted and
licensed to represent many companies, we have found out there is no
one carrier that can give the best deal on all plans. Since Health
Insurance IS NOT A ONE PLAN FITS ALL WE CAN USE THE BEST CARRIER FOR
YOUR BEST HEALTH PLAN. Daveco & Associates Insurance Corporate
Office is located in Cape Coral, Fl. We are proud to have the many
satisfied and happy clients throughout the United States. If you have
questions regarding our services or a particular circumstance unique
to you, please feel free to call toll free 866-541-0505, direct number
239-541-0505 or e-mail us at
infoIndHealth@DavecoInsurance.com.
Our Proposal System
Works More Personal
Online “instant” quotes
are not offered by us. Our experience has found those “instant” online
quote systems flawed—they seldom produce accurate quotes because they
are, by their nature, incapable of soliciting, vital information
necessary to produce an accurate quote on a personal basis.
Second, and perhaps more importantly, those systems have a relatively
low number of companies from which to choose coverage. There are few
insurance companies in the “Internet Insurance Business” and many
times, the best quotes are from companies unwilling to provide
online quoting.
We at Daveco & Associates Insurance offer a truly
personalized proposal on an individual basis via e-mail, fax or
mail. We have found that a personalized proposal is more accurate and
also more meaningful to you.
How to Request a Proposal
Complete the Request
Quote Application.
A.) You may fill in the Request Quote Application On-Line (click
here) OR
B.) Print a Hard Copy of the Request Quote Application (
click here for a PDF
version of the application) and fax or mail back to
Daveco & Associates Insurance. We will then quote based on the
information you provided and e-mail/fax/mail back to you.
1. If at that time you
would like to apply for coverage through us, we will
e-mail, fax or mail an original application that you can fill in
and forward back to us. The advantage of this system is that it
allows us to consult with you in order to more accurately
complete the application for presentation to the insurance company’s
underwriters.
2. About Rates
We always provide the lowest possible rates available. Final
rates are always determined by a home office underwriter.
