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FAQ

Is HealthPoint Plus an insurance company?

We are not an insurance company, but offer services that work in all situations. Our plans offer something for those with or without existing coverage.

How does this work with my health insurance, and does it work without it?

Our services are useful for those with and without insurance! For example, with BenefitsPal, if you want to talk to your doctor in the middle of the night, it costs you nothing regardless of if you’ve got insurance or not! Our advisors can help you best navigate complex world of health insurance to find better, lower-cost care options, negotiating medical bills, and more. Without insurance, we can be your coach for keeping costs down and finding innovative ways to receive reduced cost care.

Can I use my HSA / HDHP?

Since we are not offering insurance, you can’t pay using your health savings account. Our job is to help you make the most out of your HSA dollars, on top of being a portable around-the-clock doctor’s appointment.

Are Teladoc doctors real?

Yes! The Teladoc network consists of only U.S. board-certified internists, pediatricians, and state-licensed family practitioners who live in your state. 

Is my information kept private?

Health records are 100% private. HealthPoint Plus and its partners adhere to strict HIPAA compliance on all fronts. You’re safe!

Can I pick a specific Teladoc doctor to talk to?

Right now Teladoc does not allow for you to specify a doctor, but do know that it’s the largest physician network of its kind. For more info on Teladoc’s doctors, click here.

Can I call Teladoc to get a prescription?

Yes, but Teladoc does not guarantee you’ll get a prescription for every call. The doctor has discretion and if he or she believes your treatment plan requires a prescription, one will be issued. Additionally, Teladoc does not issue prescriptions for substances controlled by the DEA and certain other drugs which have a potential for abuse. Antidepressant drugs such as Cymbalta, Prozac and Zoloft are some, but not all of these drugs. Non-therapeutic drugs like Viagra are not prescribed either. 

What is a Personal Health Advisor?

 Personal Health Advocates help you find your way through insurance and healthcare systems. They can also locate doctors, specialists, hospitals, dentists and pharmacies. Advocates research treatments, resolve claims and provide medical explanations so you can make more informed decisions. PHAs can also negotiate and organize medical bills. 

Medical bills can be negotiated?

Yes! Though this is not always the case, hospital and other medical bills can often be inflated or contain errors. Bills can be audited to make sure that everything looks right, and negotiate on your behalf any points in which we know there’s some leeway. 

We’re always updating this section, but if you’ve got a specific question we didn’t cover here, feel free to contact us! 

WE’RE HERE TO HELP.

We’re always updating our FAQ with questions as they arise, but if you have a question that isn’t listed here feel free to contact us and we’ll be in touch!