FAQ - Frequently Asked Questions

General Topics
  1. What do I do if I lose my insurance ID cards
  2. How do I file a claim?
  3. I am at the doctor or dentist office; who do I call to get my ID and Group Number?
  4. What is a deductible and co-insurance?
  5. I am turning 65 soon, can someone assist me with all the requirements in getting enrolled for Medicare Supplements?

Group Insurance
  1. How do I go about getting a quote for group medical coverage?
  2. How many employees do I have to have in order to get a group quote?
  3. Do you use one company in particular when quoting group coverage?




Q. What do I do if I lose my insurance ID card?
A. Contact our office at 1-800-928-9039 and our staff can assist you with getting you a new card issued.


Q. How do I file a claim?
A. Contact Courtney Williams or Donna Mitchell at our office (501-354-3196) for claim filing assistance.


Q. I am at the doctor or dentist office; who do I call to get my ID and Group Number?
A. Contact Courtney Williams or Donna Mitchell at our office for assistance.


Q. What is a deductible and co-insurance?
A. Most medical plans have an annual deductible that the member (or dependents) is responsible for annually. After the deductible(s) are met, then the plan pays (according to the contract). Most plans pay 80% of allowed charges up to a maximum out-of-pocket annually.


Q. What is a "deductible"?
A. A deductible is an amount that you agree to be responsible for in the event of a loss under the physical damage (collision or comprehensive) coverages of your policy. Deductibles are offered on some coverages to give insureds flexibility in the cost of insurance and the amounts they wish to be responsible for. You may reduce your auto insurance costs by raising the deductibles on physical damage coverages. You should review the amount of the deductibles you now carry on these coverages to determine whether it makes sense for you to absorb a larger portion of your loss in the event of an accident, in return for a lower premium charge.


Q. I am turning 65 soon, can someone assist me with all the requirements in getting enrolled for Medicare Supplements?
A. Yes, we have trained agents to assist with all aspects of Medicare supplements and other plans that may fit your needs. Contact Cindy Marshall, Phyllis Hawkins, or Clayton Hawkins for assistance.


Q. Do you use one company in particular when quoting group coverage?
A. We have multiple companies to meet your needs. We can offer group medical, group dental, group disability, group life, group vision, group dental, as well as a wide array of voluntary products.


Q. How do I go about getting a quote for group medical coverage?
A. Just call Lorie at 800.927.9039. She will ask a few simple questions regarding your business as well as needing an employee census. It's a very easy process.


Q. How many employees do I have to have in order to get a group quote?
A. Usually at least two. In certain circumstances, we can get group coverage for a group of one. If you are interested, just contact Lorie and she can provide full details.

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