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Answers to our most commonly asked questions.


Frequently Asked Questions

Q. Who would be my Insurance Company?

A.  Philadelphia American and Manhattan Life Insurance Companies underwrite the bulk of our program.  They are both highly rated by AM Best and have a long record of excellent customer service.

Q. Can I qualify medically for this program?

A.  The underwriting guidelines are very lenient.  If you do not have a major illness or facing major surgery, you will probably qualify.

Q. Will I have to take a physical or submit medical records?

A.  No. We simply ask you a few medical questions and submit them to the company.  For your protection, the company will verify your answers are correct.  That is it.

Q. Should I wait to see what congress will do about changing or repealing Obama Care?

A.  Absolutely not!  Washington will not risk losing the votes of the millions who are getting a free ride on the backs of hard-working Americans who are footing the bill.  They will not change the preexisting conditions coverages or the Federal subsidies (your tax and premium dollars).  
These two factors alone are major reasons why the Obama Care premiums and deductibles are so high.

Q. Will I have to pay a penalty?

A.  No, recent legislation has repealed the penalties under Obama Care for individuals.

Q. Why are your premiums lower?

A.  First, we only insure people who are reasonably healthy.  Second, we only write coverages that you want and need.  Example:  Does a 50 year old married couple really need to pay for maternity coverage?  Do you need coverage for drug rehab, abortions etc.?

Q. What happens if I get sick?

A.  Our program is guaranteed renewable and we cannot single you out for a rate increase regardless of health problems.

Q. Do I have to pay money upfront?

A.  No, you will not be charged anything until you have been approved for coverage.  Additionally, you have 10 days to review your policy.  
If the policy is returned, your premium will be refunded.

Q. Will this process take a lot of my time?

A.  No, a short 5-10 minute phone interview is all that will be required.  We will schedule your interview at your convenience.  We work early and late.  Note:  It’s ironic that we work so hard in order to pay for the ridiculously high insurance premiums that we don’t have the time to look for something better.

Q. Where can I use my coverage?

A.  You may go to any doctor or hospital; however, if you stay within the 1st Health Network, you will receive large discounts on your medical bill. 
Note:  It includes all hospitals in the area including Indiana University Health Systems.

Real Choice Healthcare Contact Form

Use the form below to email us.  Please ask any questions you have and let us know how we can help.  Please be sure to give us a good way to get back in touch with you.  The phone is quickest and preferred.

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What our Clients Have to Say...

We think of our clients like family.  As Health Insurance consultants, we have a very important role and we take it seriously.  We love to hear from our many happy customers and wanted to share a few of the recent emails and testimonials we have received.

"I just wanted to drop you a line to let you know how pleased I am with your recommendation on my Health Coverage.

American Philadelphia has been outstanding in speed of which they handle claims and the catastrophic loss rider is exactly what you said. Recently I had a unexpected Heart attack, and when I looked at my policy coverage to see that I was covered 100%. To this day I have not spent $1.00. and to top that I received a check for a nice sum from the Catastrophic Loss rider.

So after being self-employed for close to 40 years I no longer need to worry about choosing and researching Health coverage

Again Thank You for your knowledge and product"



"Wanted to let you know we used the insurance for the first time last week. Non emergency doctor visit and it worked great. We paid nothing out of pocket that day, the office filed the paperwork and one week later we received a check in the mail for the difference in the charge and our allowance. Amazing! Thank you for your help with this and for selling a product that does what it says."



I had the pleasure of working with Christian and he quoted a plan that provided better coverage with less out of pocket costs than going on my wife's big company group plan.  Appreciate your knowledge and patience through the process."



Request a Free Personalized and Confidential Quote

To start your free insurance quote, click the button below and select your insurance type and fill in the form.  We will reach out to you for a free consultation to answer any questions and see if our health insurance is a fit for your unique circumstances.  Remember that most people in average health will qualify, and once you are approved, as long as you pay your premium, your coverage cannot be canceled.