KellyExchange

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You've got questions; we've got answers. At the TIA Exchange, we know it is challenging to decide on what individual insurance products are the best for you. Below are some of the most commom questions we have been asked. If you have checked out our frequently asked questions and still need help, please feel free to reach out to us. Our contact information can be found HERE.

   
         

 

 

What is the TIAExchange?

The TIA Exchange is an affiliate of Kelly & Associates Insurance Group; a group benefits broker and administrator with more than 35 years in the health insurance business. The TIA Exchange focuses on helping individuals and families gain health insurance coverage that is right for their unique needs.

Why should I purchase my coverage through the TIA Exchange? Can’t I just purchase directly through the providers?

The TIA Exchange leverages the relationships cultivated over 35 years in the business by Kelly & Associates Insurance Group to offer only top-quality insurance products to our customers. We know the insurance carriers and help our customers understand their options so they can make the best decisions for themselves and their families.

Exploring health plans directly through a carrier can often be a very costly mistake when purchasing individual and family health insurance.  Here are just a few of the reasons why:

  1. No matter where you get your health insurance policy, the price will always be the same because health insurance rates are firmly set by State Insurance Departments. The TIA Exchange is here to help you find the best health insurance policy from a variety of the best insurers, not just one.
     
  2. When you need help or call the insurer directly with a problem, chances are you’re going to get a different person assisting you almost every time.  When you call the TIA Exchange, you get the same small, dedicated team of knowledgeable agents to help you every time you call.  You’re not just a number to us, you’re a valued person.

  3. We’re not captive or bound in loyalty to any single health insurer. Our loyalty is to you, the customer, first.  We advocate and represent you with any of the insurers you choose through the TIA Exchange. If a problem arises with your policy, we will be dedicated to working on your behalf with the insurer to assist with your issue.  

  4. Purchasing your health coverage through the TIA Exchange gives you confidence in knowing that we will assist you in understanding the complexities of the different coverage plans available through many or all of the best insurers in your state.  We represent you and your satisfaction is our primary goal.  Our experts are familiar with all the best insurers in your state in order to help you get the health insurance policy that fits you best.

  5. The experts at the TIA Exchange will closely review your needs, and give you an honest appraisal of all of the top insurers in your area to help you find the best one for you.   


Does it cost more to purchase my coverage through the TIA Exchange?

No. The TIA Exchange works on your behalf at no cost to you; we are paid by the insurance carriers once our clients purchase their policies.

Does the TIA Exchange have the best prices?

Health insurance rates are regulated by your state's Department of Insurance. Whether you buy from the TIA Exchange or directly from the health insurance company, you'll pay the same monthly amount for the same plan.  With the TIA Exchange, you can enjoy the convenience of shopping and purchasing your health insurance plan knowing you're getting the best available price.

Can I call on the experts at the TIA Exchange if I need assistance after I’ve purchased my coverage?

Yes, if you purchase your coverage through the TIA Exchange, we are available to assist you with any questions or concerns throughout the term of your policy.

Are there other policies available from the the TIA Exchange that are not quoted on your site?

Yes- absolutely! The TIA Exchange will quote the most popular policies online, but we also offer many other unique policies that are designed to fit the needs of people with varying situations.  If you’re looking for a specific type of policy that you can’t find on the the TIA Exchange site, give us a call at 1-877-YOU-EXCHANGE & we’ll be happy to take the time to let you know about rare programs or policies available that might be exactly what you’re looking for.

How do you protect my private information?

Shopping with the TIA Exchange is safe. As your health insurance agent, we are committed to protecting your privacy and the information you provide to us. The TIA Exchange will not sell, trade or give away your personal information to anyone, except those specifically involved in the referral or processing of your health insurance quote or application. We use industry leading technologies to ensure the security of all the information under our control.

We're a proud partner of TRUSTe and have received their privacy seal of approval.  TRUSTe is the largest privacy advocacy organization on the Internet, and we encourage you to read our Privacy Policy online. 


If I apply for an insurance plan, am I obligated to buy?

No. You are under no obligation to buy a health insurance plan when using our site. After submitting your application you may cancel it at any time during the underwriting process. When you submit an application you will typically include your credit card number, bank account information, or a check for the initial premium payment. Most insurance companies will not charge your card, debit your account, or deposit your check until you are approved. Some insurance companies may charge an application fee. You will be notified in the application process if the plan you choose requires an application fee. Please note that these fees are non-refundable.

How does dental insurance work?

Dental insurance works in much the same way that medical insurance works. For a specific monthly rate (or "premium"), you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services required to promote general dental health. Some plans will provide broader coverage than others and some will require a greater financial contribution on your part when services are rendered. A few plans may also provide coverage for certain types of oral surgery, dental implants, or orthodontia.

Should I consider a short-term plan?

Possibly. Short-term health insurance provides emergency protection for a limited period of time. If you are relatively healthy and know you will have employer-sponsored coverage within 6 months, a short-term plan may work for you. It is important to note that a short-term plan will not honor existing medical conditions.

What is Co-Insurance?

Co-insurance is the amount you pay for covered medical services after you’ve satisfied any copayment or deductible required by your health insurance plan.  For example, if your insurance benefits cover 80% of charges, you will need to pay the remaining 20% even if your annual deductible is already met.  That 20% is considered coinsurance.  Your co-insurance responsibility stops once the ‘out-of-pocket maximum’ is met.

What is Maximum Out-of-Pocket Costs?

Your maximum out-of-pocket cost sets a limit to your yearly financial liability. Once you’ve paid out of pocket (typically through deductibles, copayments or coinsurance) to the “maximum” amount, the insurance company pays the full charges for any additional covered medical services rendered that year. Your monthly premium will not count toward your maximum out-of-pocket costs.



About Health Savings Accounts (HSAs)  

What is an HSA?

"HSA" stands for Health Savings Account. HSAs allow consumers to pay for qualified medical expenses with income tax-free dollars. 


Pre-tax money is deposited each year into an HSA and can be easily withdrawn at any time with no penalty or taxes to pay for qualified medical expenses. Withdrawals can also be made for non-medical purposes, but will be taxed as normal income and are subject to percentage penalties if done prior to age 65.  Any HSA funds not used each year remain in the account, and earn interest tax-free to supplement medical expenses at any time in the future.  The HSA account belongs to you, not your employer; even if your employer contributes to your HSA.


Why should I consider getting an HSA?

You may save money in the short and long term by deducting 100% of your HSA contributions from your taxable income.  Having a high-deductible, HSA-compatible health insurance plan typically has a lower premium than a plan with a lower deductible.


How much can I contribute to my HSA?

The maximum 2012 contribution for individuals is $3,050 and for families is $6,150.  You are not required to contribute the maximum each year, although some HSAs require a small minimum monthly contribution.  If you are between the ages of 55 and 65, you can make an additional annual "catch up" contribution of $1,000 each year. This amount may change yearly and it is good to note the amount for 2012.    

How do I use the funds in my HSA?

Typically, an HSA will provide you with a checkbook or debit card. When you pay for a qualified medical expense, just use your debit card or check to make the payment.  You do not need to submit receipts to the HSA administrator, although you should save them just as you keep receipts for other items that are deducted from your taxes.

NOTE: You must establish the HSA before you incur medical expenses, otherwise the expenses will not qualify.

 

 
     
     

 



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  • Kelly & Associates Insurance Group


    301 International Cir.
    Hunt Valley, MD 21030

    Toll Free: 877.968.3924
    Main: 410.527.3400
    Fax: 410.527.3470

     


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