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Q. How do I get an insurance quote?
A. Groups simply need to fill out the Group Quote page and a specialist will get back to them in the next business day. Individuals can shop and apply instantly by Clicking Here.
Q. What states does Premier Financial Benefits work in?
A. Arizona, California, Colorado, Georgia, Nevada, North Carolina, Oregon and Texas.
Q. What if I only need insurance for a short period of time?
A. Both John Alden and Horizons from Allied National offer competitive short term medical plans that issue in most cases within 1 business day if approved. Coverage for a period of up to 6 months can purchased.
Q. Can I Apply Online?
A. Individuals and Families can instantly shop, compare and apply online with a top rated carrier.
Q. Is there a Charge for using PremierHealthPlans.com?
A. No. We do not charge an additional fee for our service. You will pay the same premium whether you purchase through us, or go direct through the carrier.
Q. What are some of the differences between small group and individual health insurance?
A. Individual insurance is generally medically underwritten and usually does not include maternity coverage. Small group insurance is generally available to all eligible members of a business regardless of health, does include maternity coverage and generally costs more than individual insurance.
Q. What are the major differences between HMO and PPO plans?
A. HMO plans generally do not have deductibles and pay a high percentage of an insureds coinsurance. However HMO plans generally require insureds to utilize referrals when it comes to specialist visits and the insurance company has more control in regards to the coverage a patient recieves and the physicians an insured can visit. PPO plans generally require an insured to satisfy a deductible before coverage begins. Referrals to specialists are generally not required for an insured to receive benefits from a PPO plan.
Q. What types of plans are employers utilizing to save money on premiums without taking away benefits from employees?
A. Employers have a diverse amount of options including health re-imbursement arrangements, health savings accounts and medical supplement plans that used in conjunction with a high deductible health insurance plan can save the company money and provide a strong level of benefits for the employees.
Q. What if you are an individual or family that doesn't qualify for group coverage, but needs or desires maternity coverage?
A. You will need to find a carrier that offers a maternity rider. Carriers that might offer maternity riders on specific plans include: Blue Cross Blue Shield of Arizona, GoldenRule, Humana, and Kaiser.
Q. What is the next step? How do I begin?
A. Simply fill out the Individual Quote Form or Group Quote Form and one of our specialists will prepare your quote and contact you.
Q. I already have a broker. What should I do?
A. Give us a chance. It only takes a few minutes of your time and odds are you will find a way to improve your situation.
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PremierHealthPlans.com is owned and operated by Premier Financial Benefits, LLC, managing partner Timothy Scaturro - 1330 Wadsworth Blvd. Lakewood, CO 80214.
Securities and Investment Advisory Services offered through ING Financial Partners, Inc. - Member SIPC - 1330 Wadsworth Blvd. Lakewood, CO 80214 -
Premier Financial Benefits, LLC is not a subsidiary of or controlled by ING Financial Partners, Inc.
Timothy Scaturro is licensed to sell Health and Life Insurance in Arizona, California, Colorado, Georgia, Nevada, North Carolina, Oregon and Texas.
Timothy Scaturro is registered to do securities business in Colorado, Arizona and Georgia.
Timothy Scaturro is an authorized broker of Blue Cross Blue Shield of Arizona.
This Website is for people searching for health insurance in Arizona, California, Colorado, Georgia, Nevada, North Carolina, Oregon and Texas.
Rates are illustrative only, and are not guaranteed until approved, underwritten and issued by the corresponding insurance company.
It is not intended to be tax or legal advice. It is not an offer to insure or an insurance policy. Its purpose is to help people looking for
health insurance find the right health insurance plan. Health insurance is an important piece of your long term financial security.
PremierHealthPlans.com is your premier source for education and information on numerous health insurance options.
Premier Financial Benefits, LLC. Colorado Insurance agency license number: 90832.
Timothy Scaturro, Colorado Resident Producer License Number: 59964.
Timothy Scaturro, Arizona Non-Resident Insurance License Number: 65160.
Timothy Scaturro, California Non-Resident Insurance License Number: 0C27301.
Timothy Scaturro, Georgia Non-Resident Insurance License Number: 790370.
Timothy Scaturro, Nevada Non-Resident Insurance License Number: 543676.
Timothy Scaturro, North Carolina Non-Resident Insurance License Number: 3818.
Timothy Scaturro, Oregon Non-Resident Insurance License Number: 213833.
Timothy Scaturro, Texas Non-Resident Insurance License Number: 1477117.
Timothy Scaturro, Washington Non-Resident Insurance License Number: 717889.
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