Contact Us:
Affordable Health Care LLC
Christina Muessig
Office: 636.931.9699
Cell: 314.803.1838 ยท Fax: 636.547.2559
christinamuessig@gmail.com
For Free
Individual Quote
FAQs
Q: What is co-pay?
A: This is usually the amount you paid for medical services such as $20, $30, etc., for your visit to your physician, and the rest is covered at 100% of the allowable by your carrier.
Q: What is a deductible?
A: The amount of money you pay each year for medical expenses before your insurance policy begins to pay (i.e. $500, $1000, $2000).
Q: What is co-insurance?
A: After your annual deductible amount has been met, the insurance company pays 90, 80 or 70 percent and then you pay your co-insurance amount of 10, 20, or 30 percent.
Q: How much does it cost me to use your services?
A: There is no cost to you! We provide exceptional services to our clients at no cost.
Q: What types of insurance does Affordable Health Care LLC represent?
A: We offer all forms of health, life, Medicare, disability, individual and small business coverage.
Q: What is a Lifetime Maximum?
A: The maximum percentage of benefits available to a member during their lifetime, in which, all benefits served are subject to this limit unless stated as unlimited.
Q: How much life insurance do I need?
A: This is an extremely personal decision that is entirely different for each individual, family or company. Depending on circumstances some people may require large amounts of life insurance. However, another individual may need very little. We have designed a calculation chart to assist you with determining your needs. Call to discuss your needs!
Q: What is a Preferred Provider Organization (PPO)?
A: A network of health care providers that offers medical services to health plan members at a discounted cost. PPO members usually make their own decisions about their health care instead of going through a primary care physician like an HMO member. The cost to use physicians within the PPO 
network is less than using a non-network provider.
Q: How do I utilize your service?
A: All clients are more than welcome to call or visit our office directly or necessary correspondence (i.e. enrollment forms, quotes, rates, etc.) may be mailed or e-mailed to you. Facsimile communication is also an available option. We will also come to your home or business.
Q: What is a Pre-Existing Condition?
A: A health condition or problem that existed or was treated before your insurance became effective. Most health insurances have a pre-existing condition plan that describes under what conditions they will cover medical expenses that relate to a preexisting condition.
Q: What is HIPAA?
A: Heath Insurance Portability and Accountability Act of 1996. It is designed to protect health insurance coverage for workers and their families when they change or lose their job.
Q: What is HMO (Health Maintenance Organization)?
A: Prepaid health plans for which a premium is due each month. The HMO covers your cost of care to see a physician within their working network at pre-negotiated rates. In some cases you are required to choose a primary care physician who takes care of you and makes referrals to any specialists you may need. If you, as an HMO member, do not use the doctors, hospitals and clinics that do participate in your plan's network, you may be required to pay the cost of those medical services.
Q: What is a Point-of-Services (POS) plan?
A: A certain managed care plan combining features of health maintenance organizations (HMOs) and preferred provider organizations (PPOs). You may choose whether to go to a network provider and pay a flat dollar amount or to any out-of-network provider and pay deductible and / or coinsurance charge.
From time to time, there are questions you might have regarding your insurance coverage, policy and procedure. We are unable to anticipate and answer all possible questions. Therefore, we encourage you to contact us with any unanswered questions you may encounter.
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