Frequently Asked Questions
Find answers to the most common questions about health insurance, coverage options, costs, and enrollment. Can't find what you're looking for? Our licensed agents are here to help.
Find answers to the most common questions about health insurance, coverage options, costs, and enrollment. Can't find what you're looking for? Our licensed agents are here to help.
We help you find various types of coverage including major medical plans (ACA-compliant), short-term health insurance, fixed indemnity plans, health sharing programs, and supplemental coverage like dental and vision. Our agents will help determine which type best fits your needs.
Yes, our service is completely free to you. We're compensated by insurance carriers when you enroll in a plan. You'll never pay more for a plan through us than you would going directly to the insurance company.
Yes, all our agents are fully licensed by state insurance departments and undergo regular training. They're qualified to sell health insurance products and provide guidance on coverage options in your state.
It depends on the plan type. Short-term plans can start as soon as the next day. Major medical plans typically start on the first of the following month. Our agents can explain the timeline for each option.
PPO plans offer more flexibility - you can see any doctor without referrals and have out-of-network coverage. HMO plans require you to choose a primary care doctor and get referrals for specialists, but usually have lower premiums. Learn more about PPO features.
ACA-compliant major medical plans must cover pre-existing conditions without charging more. Short-term plans may exclude pre-existing conditions. Our agents can explain which plans work best for your health situation.
Preventive care typically includes annual checkups, immunizations, screenings (cancer, diabetes, blood pressure), and wellness visits at no cost when you use in-network providers. Learn more about preventive care coverage.
Most major medical plans include prescription drug coverage, though copays and covered medications vary by plan. Some plans have formulary tiers with different costs for generic vs. brand-name drugs. Learn about prescription coverage.
It depends on whether your doctor is in the plan's network. Before enrolling, we recommend checking the provider directory or asking your doctor's office if they accept the plan. PPO plans offer more flexibility to see out-of-network doctors.
Key factors include your age, location, tobacco use, plan type (Bronze/Silver/Gold/Platinum), and household size. Income affects subsidy eligibility for marketplace plans. Learn about cost structure.
Premium is your monthly payment. Deductible is what you pay before insurance kicks in. Copay is a fixed amount for specific services (like $30 for a doctor visit). Coinsurance is your percentage share after meeting your deductible.
You may qualify for premium tax credits if your income is between 100-400% of the federal poverty level and you're buying coverage through the marketplace. Our agents can help determine your eligibility and estimate your subsidized cost.
This is the most you'll pay for covered services in a year. Once you reach this limit, insurance pays 100% of covered costs. It's your financial protection against catastrophic medical expenses.
For ACA marketplace plans, Open Enrollment typically runs November through January. Outside this period, you need a qualifying life event (job loss, marriage, having a baby, moving) for Special Enrollment. Short-term plans can be purchased year-round.
You'll typically need Social Security numbers for household members, income information (pay stubs or tax returns), current insurance information if applicable, and immigration documents if not a U.S. citizen.
During Open Enrollment, you can switch plans. Outside Open Enrollment, you generally can't change unless you have a qualifying life event. Some plan types (like short-term) allow cancellation with notice.
The enrollment process itself takes about 15-30 minutes with an agent. We'll help you compare options, answer questions, and complete the application. Coverage start date depends on the plan type and when you enroll.
Our licensed agents are ready to answer your specific questions and help you find the right coverage. Get personalized guidance at no cost to you.