Frequently Asked Questions

>> Do I only have the "open enrollment" time period to be able to set up private insurance?

That is only for ACA/Obamacare and government plans. The public market typically opens up in November and remains open until January. Private insurance is available year-round.

>> Is private insurance expensive?

It is much less expensive than you probably think! I have clients that have saved thousands of dollars in 1 year alone! Check out the tab that says, “Let’s do the math!” for a more detailed breakdown.

>> What are the biggest differences between ACA/Obamacare, Employer plans, and Private insurance?

ACA/Obamacare is major medical coverage that you cannot be denied for due to any pre-existing conditions. It is most affordable IF you get a government subsidy on the monthly premiums. If you aren't getting that discount, it is way more expensive than most plans out there.

Employer plans are AMAZING for the employee themselves BUT the minute you add a family member (spouse or kids or both) on to the plan, that premium is going to skyrocket. This is because employers usually give benefits towards their employees but the family will be paying full price to be added on to the plan.

Private insurance is health-based so there is an application process because not everyone may qualify based on health. Because you're healthy, you're getting a preferred rate so it is cheaper than most plans with BETTER coverage.

>> Will these plans cover me anywhere I go?

YES! Nationwide coverage, on and off the job. They are PPO plans so you aren't limited to coverage in your zipcode/county like many plans.

>> What is the fee for your services?

No fee, I am happy to help you! :)

>> What are insurance prices based on?

Public Marketplace (aka ACA/Obamacare plans) are based on income and age.

Private plans are based on health.

>> Do you have other insurance plans as well?

I have Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, Income Protection (aka Short term disability) and access to everything out there so I am happy to guide you in the right direction if you are needing something specific!