Frequently Asked Questions

I learned that I have to have some major dental work done, can I buy a dental program to get a discount?

Yes, you can.  Our dental program is a discount program, which means that you can not be declined for a pre-existing condition.  Also, if you purchase the plan today, your coverage starts immediately, so you don't have to wait for a long period of time before your benefits begin.  Visit our dental page to learn more.

My son/daughter is going to college for the first time, what insurance should I consider for him/her?

While the school most likely has a health insurance plan available, it is most commonly not the best solution for your son or daughter.  There are a number of considerations that should be addressed to ensure that your son or daughter has the best coverage available.  Health insurance plans offered by schools are often costly and very limited in coverage.  Solera suggests comparing the school's program with an individual plan.  Most of the time we can provide a health insurance plan that is not only more comprehensive, but also much less expensive than the program offered at your son or daughter's school.  Review our college health insurance website at www.collegeinsuranceonline.com.

Solera also suggests that all college students have a life insurance policy.  A life insurance policy is quite inexpensive at this age and guarantees insurability for life.  Check out our financial services page to learn more.

My COBRA program is ending, what should I do?

It's important to act quickly to ensure that you don't have a lapse in coverage.  Also, if you're healthy, you can often save money over your COBRA program.  We suggest you review our health insurance programs and if you have any further questions, contact one of our friendly professionals.

Isn't individual health insurance much more expensive than a group plan?

Individual health insurance can be less expensive than group plans for healthy people.  A group health insurance plan must cover both the healthy and unhealthy employees of a group.  Often we find that healthy individuals can save money for them and/or their family through an individual health plan.

I am uncomfortable buying health insurance on my own, can I get someone to help me?

Absolutely.  Solera has agents across the country to serve you.  If you would like to get more information and speak to a qualified agent in your area, please visit our contact page and ask for assistance.  We're happy to help.