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FAQ

How do I submit required identification / documentation?

Required documentation/identification can be uploaded directly to your policy on the Standard Health portal (link). Contact our customer support team to support you with this process. Contact us at 1-800-501-3537 or send a message.

How does Standard Health protect my private information?

Standard Health does not disclose your personal information to third parties, unless one of the following limited exceptions applies.

 

Insurance Companies, Licensed Agents and Business Partners, HSA Trustees or Administrators, and Government-run Exchanges and Entities

 

If you submit an application for an insurance product offered by us, then we will disclose your personal information to your chosen insurance company to process your application. If you submit a request for information or an application for an insurance product offered through an insurance agent, agency or other business partner with whom we associate or contract, then we may disclose your personal information to that agent, agency or business partner to process your request for information or application or to otherwise provide you with information about insurance products (including contacting you by telephone, email, or otherwise to discuss insurance products in which you may be interested). If you complete an enrollment form for a health savings account (“HSA”) offered through an authorized HSA trustee or administrator with whom we have associated, then we may disclose your personal information to that trustee or administrator to enroll you in an HSA. If you complete an application with us that is processed through a government-run exchange or other government-run entity, we will disclose your personal information to that government-run exchange or entity. Please be assured that these partners are only allowed to use your personal information to process your requested quote, application or enrollment form and are legally obligated to maintain strict confidentiality.

 

Service Providers

 

We may disclose your personal information to other companies that help us to process or service any application you begin, process or submit through us, or to correspond with you. For example, we may provide your personal information to a service provider to verify the validity or credit limit of your credit card. Please be assured that the companies we hire to process or service your insurance application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.

 

Employers, Affinity Groups, and Benefits Administrators or Consultants

 

If you were referred to us by, or use our website or call center in connection with, a current or former employer, affinity group, or other organization with which you may be affiliated (or a benefits administrator or consultant associated with such employer, group or organization), we may disclose your personal information to such employer, group, organization, administrator and/or consultant. For example, we may inform such employer, group, organization, administrator and/or consultant whether or not you have enrolled in a plan. Please be assured that these parties are only allowed to use your personal information as permitted by applicable law.

 

Legal Obligations

 

In certain situations, Standard Health may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.) We may also disclose your personal information as required by law, such as to comply with a subpoena, or similar legal process. We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities, to resolve consumer disputes, to protect our rights, to protect your safety or the safety of others, to investigate fraud, or to otherwise respond to a government request.

 

Your Consent

 

If you provide us an indication of your consent to disclose, share or use your personal information in connection with a third party, we may disclose, share or use your personal information in that manner. For example, if you opt in to our social media mailing lists and promotional updates, then we may disclose your relevant personal information to social media platforms where Standard Health has a corporate account for the purpose of adding you to Standard Health social media mailing and promotional update lists. Generally in such a situation, the social media platforms are not allowed to use your personal information for their own purposes unless you have a direct account on such social media platforms, in which case your personal information would be handled by the social media platforms in accordance with the social media platforms’ privacy policies.

 

Your Requests for Products

 

If you request to be contacted about any type of insurance product, request to be contacted by a licensed agent or other representative, request assistance with enrolling in any type of insurance product or make any other request for someone to contact you (such as by filling out an online request form), then our agents or representatives may contact you, or we may disclose your personal information to a third-party insurance agency, insurance agent, insurance company or other appropriate entity, so that such entity may contact you about any product in which you indicated interest or may assist you in enrolling in any such product. Any additional information that you subsequently choose to provide to any third-party entity will be governed by that entity’s privacy policy. Outside of these exceptions, we will not sell, trade or share your personal information with third parties.

 

What are the different types of ACA plans and what do they include?

There are 4 main types of Affordable Care Act, or ACA, health insurance plans:

  • PPOs – or Preferred Provider Organization Plans
  • POSs – or Point-Of-Service Plans
  • HMOs – or Health Maintenance Organization Plans
  • EPOs – or Exclusive Provider Organization Plans

     

When considering an ACA plan factors such as your budget, where you live, and the kind of health care you require are important to consider.

What do all the ACA plans have in common?

All ACA plans are mandated to cover 10 essential benefits. These 10 essential benefits include health care services such as:

 

  • Emergency services
  • Hospitalization
  • Out-patient services
  • Maternity and newborn care
  • Mental health, behavioral health, and substance use disorder services
  • Prescription Drugs
  • Rehabilitative and habilitative services
  • Laboratory services
  • Pediatric services, including oral and vision care
  • Preventative and wellness services and chronic disease management
What is life insurance, and why do I need it?

Life insurance is a contract between you and an insurance company that provides a financial benefit to your beneficiaries in the event of your death. It can help provide financial security to your loved ones, cover outstanding debts, and ensure their well-being after you’re gone.

What types of life insurance are available?

There are two main types of life insurance:

 

– Term Life Insurance: Provides coverage for a specific term (e.g., 10, 20, or 30 years). It’s typically more affordable but doesn’t build cash value.

 

–  Whole Life Insurance: Offers lifetime coverage and includes a savings or investment component, known as cash value.

How much life insurance coverage do I need?

The amount of coverage you need depends on your individual circumstances, such as your income, debts, and the financial needs of your dependents. Our website offers calculators and tools to help you estimate your coverage needs.

What factors affect the cost of life insurance premiums?

Several factors influence your life insurance premiums, including your age, health, smoking status, coverage amount, and the type of policy you choose. Generally, younger, healthier individuals pay lower premiums.

Can I change my life insurance policy later?

Yes, most life insurance policies can be modified or converted to better suit your changing needs. You can often increase or decrease coverage, change beneficiaries, or convert term policies into permanent ones.

How does the application process work?

The application process typically involves completing an application form, a medical examination (if required), and providing necessary documentation. Our underwriters will assess your information to determine eligibility and premium rates.

Is it possible to get life insurance with pre-existing health conditions?

Yes, many insurance companies offer policies for individuals with pre-existing conditions. The terms and premiums may vary based on the severity of your condition and other factors. Be sure to disclose all relevant health information during the application process.

What happens if I miss a premium payment?

If you miss a premium payment, there may be a grace period during which you can make the payment without the policy lapsing. The specifics vary by policy, so it’s essential to review your policy documents and contact us for guidance.

Can I name multiple beneficiaries, and can I change them later?

Yes, you can name multiple beneficiaries and update them as needed. Beneficiary designations are flexible, allowing you to ensure your loved ones are adequately protected.

What should my beneficiaries do when I pass away?

Your beneficiaries should contact our customer support team to initiate the claims process. They will need to provide necessary documentation, such as a death certificate, to receive the insurance proceeds.

How do I file a life insurance claim?

To file a claim, your beneficiaries should contact our claims department, which will guide them through the process. They’ll need to submit the required documentation to start the claim settlement process.

Is life insurance taxable?

In most cases, life insurance proceeds are not subject to income tax. However, it’s essential to consult a tax professional for guidance on your specific situation.

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