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AFI Frequently Asked Questions
- How do I become an AFI member?
Call the number above and ask for a customer service
representative who would be happy to walk you through
the process.
- Do I need a physical exam to be accepted by AFI?
No physical exam is needed for any of our health
insurance products.
- What is a Mini-Med? HMO? POS?
A Mini-Med or Limited Medical plan is a
health insurance plan with limited benefits. The
benefits may not fully cover all of your medical
services. You are allowed to choose any doctor you want
and are reimbursed a specific amount for each service
based upon the plan you have chosen.
A HMO plan is a health insurance plan that offers
prepaid comprehensive health coverage for both hospital
and physician services. A HMO contracts with health care
providers and members are required to use participating
providers for all health services.
A POS plan is health insurance plan with a dual
option. It allows you to access a network (as with an
HMO) and also allows you to go outside of the network
where you are subject to a deductible (an amount the
member must pay before an insurance company pays any
benefit) and co-insurance (a shared amount that the
member and the insurance company pays for benefits).
- How quickly is coverage in effect?
Coverage with all AFI programs begin on the 1st of
the month after enrollment
Materials are received.
- Is it beneficial for a start-up business to offer
self insurance through AFI?
AFI’s staff of insurance professionals, all with
over 10 years of experience are well equipped to walk
the new business owner through all the pitfalls of
starting a health insurance plan for a new business.
- Will offering health insurance help my business
attract qualified employees?
Offering health insurance is one of the best ways a
business can attract quality personnel. Quality health
insurance aside from salary is the number one benefit
people in the work place are looking for.
- Is the AFI membership fee per person, per family or
per business?
AFI membership is based upon either Single or Family
membership. Membership is easy and painless. Please call
one of our customer service representatives who will be
happy to answer any and all of your questions.
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