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Lifestyle + Medical Benefits
FAQs.
Frequently asked questions
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 great and very common question. The truth is, some people may not need traditional insurance in every situation. However, insurance exists to protect you from the unexpected. It’s a safety net against risks you can’t always predict or afford to handle on your own.
That said, does protecting yourself mean you need to spend 25% or more of your income on insurance premiums? We don’t think so.
That’s why Key Health Care takes a different approach. We offer a smart mix of healthcare benefits that includes non-insurance and low-cost options that can provide many of the same protections as more expensive, traditional plans. By combining innovative, non-traditional benefits with essential insurance coverage, we help create solutions that are affordable, practical, and effective—without breaking the bank.
We specialize in ancillary benefits—such as prescription, dental, and vision care—that are often needed immediately and can’t easily be paid for over time. These benefits play a critical role in everyday health and financial stability.
Let us customize a healthcare solution that fits your needs and your budget—so you can be protected, prepared, and confident.
Our prices are low because many of our offerings are what’s commonly referred to as discount or non-insurance benefits. These programs are designed to reduce costs upfront rather than rely on traditional insurance reimbursement.
Think of it like getting a discounted rate at a high-end hotel or resort. You still enjoy the same quality and access—but at a lower price because the rates were negotiated in advance.
We work directly with healthcare providers to negotiate reduced fees on your behalf, much like traditional insurance companies do. The key difference is what happens to the savings. In a traditional insurance model, those savings are typically retained by the insurance company. With Key Health Care, the savings are passed directly to you.
The result is affordable access to care, transparent pricing, and meaningful savings—without the high premiums.
If your benefits are offered through your employer or a sponsoring group, please contact your plan administrator to enroll. If you’re enrolling on your own, simply complete the Individual Enrollment Form (https://www.keyhealthcare.org/individual-enrollment)online. During the secure enrollment process, you’ll have the option to add eligible dependents.
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.
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