FAQs

 

Frequently Asked Questions

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Will it cost me anything to use your services?

There is no cost to you for using any of our services.

Do you offer the lowest prices?

Yes, you will not find the health plans listed on our website at a lower price anywhere. Insurance premiums in are regulated in Idaho, so if you buy directly from the insurance carrier or from Jensco inc. you pay the exact same premium.

What is the advantage of using your services versus verse going directly to an insurance carrier?

Insurance premiums in Idaho vary a great deal based upon the medical underwriting practices of insurance carriers. We work with all of the major insurance carriers in Idaho to insure you get the best plan selections and rates. The table below shows in comparison what happens when you send an application to an insurance carrier and what happens when you send an application through our website. (Remember, we do NOT charge any fees for our services)

Application Sent directly to an
insurance carrier
Application sent to insurance
carriers via jenscoinc.net
Accepts paper applications Yes Yes
Accepts electronic applications Yes Yes
Time it takes to receive electronic applications Instantly Instantly
Provides access to your completed application Varies by carrier Yes, always
Processing time for applications Varies 1 day to 3+ weeks Varies 1 day to 3+ weeks
Provides firm quotes for ALL health insurance plans available in Idaho. NO, provides quotes only for the specific insurance carrier YES. A single application produces Quotes from: Blue Cross of Idaho, Regence Blue Shield, Pacific Source, Select Health & CoventryOne/ Altius
Provides unbiased advice to help you select the best plan for your circumstances No, Only provides advice and plan information for a specific carrier. Yes, Expert advice is always available from our licensed health insurance brokers.
Additional cost to you None None

What do I need to know about health care reform?

Many health care reform changes don’t take effect until 2014. However there are several changes that have already taken effect for every new policy that is sold.
These changes include:

  • The removal of the lifetime caps
  • The removal of annual limits for most covered essential services
  • wellness services are now covered at 100% with no benefit limit
  • dependents can be covered through age 25
  • No pre-existing condition limitations for anyone under the age of 19

Please visit our Healthcare Reform page.

If I fill out an application, am I obligated to buy?

NO. And in fact, even if you do buy, Idaho law gives you a “10 day free look period” for any insurance policy you purchase.

When will my coverage start?

This depends on your needs. Coverage usually starts on the 1st of any given month. For example, to begin coverage April 1st, we would need to have received your completed application prior to 4pm on the last business day of March.

Can I insure just my child?

Yes. There are special application processes for ensuring multiple children without a parent. Please call for details.

If I am on a group plan, can my spouse and child be covered on an individual plan?

Yes

What is a pre-existing condition?

Any condition that has been diagnosed or should have been diagnosed prior to your new coverage becoming effective.

Pre-existing conditions do not apply to ANYONE under the age of 19

Pre-existing conditions ONLY apply if you have had a break in credible coverage of greater than 63 days at any point in the last 12 months. Please call for details.

Can I use your insurance to replace the SHIP waiver requirements?

YES

What is the difference between group and individual insurance?

Group health insurance is insurance that is provided through an employer. Individual health insurance is personal health insurance that you purchase by yourself without the aid of an employer.

What is cheaper, group or individual insurance?

Individual insurance. However rates for individual plans are subjective to your personal medical history.

Do you sell life insurance?

Yes. We represent only A rated companies and we work hard to find the best value for our clients, please call for a free quote.

What types of insurance do you sell?

Individual Health Insurance, life, dental, accident, supplemental plans, short and long-term disability, fixed annuities, Medicare Advantage and HSAs.

Can an insurance carrier cancel my coverage?

Only for fraud, deliberate misrepresentation or nonpayment of premiums. No insurance carrier can cancel coverage for health insurance claims of any kind.

How does a PPO plan work?

PPO (Preferred Provider Organization) is a network of doctors and hospitals.

Although you have the freedom to use any doctor or hospital you receive the greatest benefit by using doctors or hospitals that are a part of the PPO network.

PPO providers are contractually required to provide services to the health insurance plan’s members at a discounted rate. You won’t be required to pick a primary care physician but will be able to see doctors and specialists within the network at your own discretion.

You will have a deductible to pay before the insurance company starts covering your medical bills. You will also have a co-pay for most services or be required to cover a certain percentage of the total charges for your medical bills.

With a PPO plan, services rendered by an out-of-network provider are typically covered at a lower percentage than services rendered by a network provider.

What is the best health insurance plan for me?

This is a very complicated question. In part because the answer varies so much depending upon your personal circumstances, how long you need coverage, your preferences and other relevant factors.

Our professionally trained and licensed agents work closely with you one on one to insure that we place you with the health insurance plan that best suits your needs. For that very reason we send your completed application (with your permission) to ALL of the available insurance carriers in the state of Idaho, something that no other insurance agent or company offers.

What is a deductible?

A “deductible” is a specific dollar amount that your health insurance company requires that you meet (pay out-of-pocket) before your health plan begins to make payments for claims.

All insurance plans offer what is called “pre-deductible” benefits. These are benefits that are available without the deductible being met. These benefits always include wellness services and may also include; doctor office co-pays, Rx, accident benefits, chiropractic, vision, lab and X-ray.

What is a co-pay?

A “co-pay” is a specific dollar amount that your health insurance plan requires that you pay for services. For example, your health insurance plan may require a $30 co-payment for an office visit or brand-name prescription drug, after which the insurance company often pays the remainder of the charges.

How do you protect my private information?

At Jensco inc. we take very seriously our responsibility to safeguard your personal history and health information. Every place on our website that gathers personal information is protected via SSL (Secure Socket Layer) and can be verified by clicking on the SSL verification at the start of our online application. All data is stored in the most secure fashion and all email correspondence that we send is secured and encrypted. We are continuously updating and doing all that we can to safeguard personal information.

Jensco inc. will NOT sell, trade or give your personal information to anyone, anywhere at any time for any reason. Insurance carriers for quoting being the only exception.