Frequently Asked Questions

Health insurance is a contract between you and an insurance company that helps cover medical costs when you get sick or injured. It also covers preventive care to help you stay healthy. Health insurance is important because:

• It protects you from high, unexpected medical costs
• It helps you pay for essential health benefits like preventive care
• It means you are covered if an emergency happens
• It can help you access better healthcare options

Without health insurance, you may face significant financial hardship if you experience a serious illness or injury.

Choosing the right health insurance plan depends on several factors, including:

• Your healthcare needs and those of your family
• Your budget and what you can afford to pay in premiums and out-of-pocket costs
• Your preferred doctors and hospitals
• The medications you take regularly

Our agents can help you evaluate these factors and recommend plans that best meet your specific needs. We'll explain the differences between plan types (like HMOs, PPOs, and EPOs) and help you understand the trade-offs between premium costs and coverage levels.

Premium: The amount you pay for your health insurance every month.

Deductible: The amount you pay for covered healthcare services before your insurance plan starts to pay.

Copay: A fixed amount you pay for a covered healthcare service, usually when you receive the service (e.g., $25 for a doctor visit).

Coinsurance: The percentage of costs of a covered healthcare service you pay after you've paid your deductible (e.g., 20% of the cost of a service).

Generally, plans with lower premiums have higher deductibles, copays, and coinsurance, while plans with higher premiums typically have lower out-of-pocket costs when you receive care.

Yes! Under current law, health insurance companies cannot refuse to cover you or charge you more just because you have a pre-existing condition. This includes conditions like diabetes, cancer, asthma, or heart disease.

Our agents specialize in finding plans that provide comprehensive coverage for individuals with pre-existing conditions. We'll help you understand your options and find a plan that covers the care you need.

You can typically enroll in health insurance during:

• Open Enrollment Period: An annual period when anyone can enroll in health insurance. For marketplace plans, this is usually from November 1 to December 15.
• Special Enrollment Period: If you experience certain life events like losing other coverage, getting married, having a baby, or moving, you may qualify for a Special Enrollment Period that allows you to enroll outside the Open Enrollment Period.
• Medicaid and CHIP: You can apply for these programs any time of year if you qualify based on income and other factors.

Our agents can help you determine if you're eligible to enroll now or advise you on when you can enroll in the future.

The cost of health insurance varies based on several factors, including:

• Your age
• Where you live
• The level of coverage you choose
• How many people you are covering
• The help with the cost you can get

Our agents will work with you to find plans that fit your budget and provide the coverage you need. We'll also help determine if you qualify for premium tax credits or cost-sharing reductions that can significantly lower your costs.

No, our services are completely free to you. We are compensated by the insurance companies when you enroll in a plan through us. This doesn't affect the price you pay for your insurance - you'll pay the same premium whether you enroll directly with the insurance company or through our agency.

Getting started is easy! You can:

• Fill in the short form on this page to have an agent contact you
• Send us a message through our Contact Us page

One of our licensed agents will reach out to discuss your needs, explain your options, and help you find the right health insurance plan.