FAQs.

Yes, we offer free consultations. In fact, we believe that it is important to understand your healthcare benefit options. And although you may process enrollment independently, we want to walk you through the process to ensure that you understand clearly what our benefits are, what they cover, and what they do not.

What has made our agency different for our federal clients is that we function as their back office. In other words, our primary interest is that the integrity of their program is maintained. We extend that sentiment to our non-federal clients. We sell a sevice, and not a product - therefore, in order to be successful, you must be satisfied with our service.

This is a very good and frequently asked question. Some people might not need insurance. However, if you understand the purpose of insurance (to insure against the risk of the unknown), you want to be prepared with a safety-net. However, do you need to spend upwards of 25% plus of your income on insurance benefits - we think not. That's why Key Health Care offers a healthcare benefit mix that takes advantage of benefits that are "non-insurance", "low-cost" and which provide many of the same coverags of the more costly programs. We combine non-traditional benefits with traditional insurance, to deliver a product that is affordable by most, and which does not break the bank, all while delivering the benefits that are necessary. We specialize in ancillary benefits - those that typically cannot be paid over-time, such as prescription, dental, and vision. Let us customize a program for you today!

Our prices are low because we offer what has come to be known as "discount" or "non-insurance" benefits. If you have ever enjoyed a low-cost night at an expensive hotel or resort - the concept is almost the same. We negotiate with providers for lower rates on your behalf, in the same manner as traditional health insurance. The difference is that we put the savings back into your pocket, whereas in a traditonal insuance environment, the savings are retained by the payer (insurance company).

There is no waiting period for enrollment unless designated by your employer or organization. To enroll for health benefits and services, contact your plan administrator, or if you are enrolling as an individual, complete the individual enrollment form, you will have an opportunity to select dependents when you complete the secure Member Enrollment Form.

If you enroll between the 1st and 15th of the month, your benefits will become active and your enrollment fulfillment documents, including your ID cards will be received by the 1st of the next month.

If you enroll after the 15th of the month, your benefits will become active and your enrollment fulfillment documents, including your ID cards will be received by the 15th of the next month.

However, you may expedite emergency enrollment by contacting Key Health Care or your plan administrator to activate your Smartphone Membership APP, which may be used in lieu of a benefit ID card.

Changes to dependent information may be made four ways.

1. You may make changes through your Smartphone Membership App.

2. You may make changes through your personal online portal.

3. You may make changes through your organization's plan administrator.

4. You may make changes by submitting a written request directly to Key Health Care.

If you wish to continue your benefits outside of your sponsoring agency, please contact Key Health Care immediately so that the funding responsibility may be transferred to you, avoiding cancellation due to non-payment.