Common Questions from our Members, Answered.

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Bridget Cullen is head of the advisor team at Gravie. Bridget was one of the first employees at Gravie and has played a big role in training and coaching the growing team. Personally, Bridget has a lot of experience dealing with stressful medical bills, having had two babies in the last three years. I recently sat down with Bridget to learn more about how she and the advisor team are freeing employers and employees of health insurance hassle.

A big benefit of working with Gravie is that your employees have access to the Gravie advisors. The Gravie advisors work with your employees to help them pick a health insurance plan that fits them best. But the help doesn’t end there. With Gravie, your employees get year-round support with anything benefits-related. The Gravie advisors help your employees with all the confusing questions so you don’t have to. Click here to learn more about how your company can benefit from Gravie.

Here are the most common questions our advisors get: 

How much will my prescription cost?

Give us the name of your prescription and the pharmacy you use. We’ll search through your plan’s benefits to check the “tier” to determine its cost. If prescription coverage is important to you, keep this in mind when shopping for a plan. When shopping for coverage, a lot of our members narrow down their options to 2-3 plans and then call the advisors to do some extra research. We’ll help you choose a plan based on your prescription coverage needs.

Am I able to see my current doctor?

It depends on whether or not your doctor is within the plan’s network. Provide the doctor’s name and location, and we’ll check for you. If you’re in the process of shopping for a new plan, Gravie advisors will work with you to find a plan that fits you best, with your doctor is within network.

How much will a specific surgery or procedure cost?

First, advisors will verify that the surgery or procedure is covered by your plan and if it is, they’ll look at the plan’s nitty gritty details to determine its cost. They’ll also verify that your doctor and facility are in-network, as well as any medications, physical therapy and/or other follow-up care.

How does an HSA work?

A health savings account (HSA) is a way for you to set money aside to spend on eligible healthcare costs. Money contributed to the account is tax deferred and can be used on things like glasses, hearing aids, acupuncture, dental treatments, and more. If you’re interested in opening a HSA or continuing to contribute to one you already have, you’ll need to check that your plan is HSA eligible. Call us and we’ll help you determine if your plan is.

 Is Gravie Obamacare?

No, we’re not Obamacare. We’re a private company that helps our members shop for and buy health insurance in the individual market. Health insurance in the individual market is available either off-exchange or on-exchange. If you’re eligible to receive government tax credits, we’ll help you choose a plan on one of the government-run exchanges. If you aren’t eligible to receive tax credits, Gravie advisors will help you pick a plan that fits you best whether it’s available off-exchange directly through a health insurance company or on-exchange through the government.

 How much does it cost to use Gravie?

$0 for our members and their families.

 Can I switch my plan at any time?

No. The plan you choose will be your plan for the year. If you have a qualifying life event, like a marriage, birth or a move to a new area, you may be eligible for a special enrollment period that allows you to enroll in a new plan. Otherwise you have to wait for the next open enrollment period, which runs November 1, 2016 – January 31, 2017. Plans chosen during this time take effect on January 1, 2017 at the earliest.

What should I do? I don’t understand my medical bill.

Gravie advisors are typically able to walk through your bill with you over the phone. If we need to do a little digging, we connect with your insurance company or the facility where you had the appointment to make sure everything was billed correctly. If we find you were billed for something by mistake, we take the necessary steps to correct the problem and get you an updated bill.

For help with these questions and more, email help@gravie.com or call 800.540.8701. 

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Topics: Gravie Advisors, Advisor Den, Individual Health Insurance, Health Insurance, Ask Gravie, HSAs, Private Market

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