Question 1

What is the fee for your services?

Accepted Answer

I am FREE and it would be an honor to assist you! 😀

Question 2

Can I sign up during and after "open enrollment"?

Accepted Answer

That is only for ACA/Obamacare and government plans. Private insurance is available year round.

Question 3

What are the main differences between Obamacare, Employers and Private insurance?

Accepted Answer

ACA-Obamacare-marketplace plans is major medical coverage that you can’t be denied for due to any pre-existing medical conditions. You can get more affordable insurance ‘IF’ you get a government subsidy on the monthly premiums. If you do not qualify for that discount, it is much more expensive than most plans out there.

Employer plans are GREAT for the employee, BUT when you add a family member (spouse or kids or both) on to the plan, that premium is going to very expensive. 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.

Question 4

Are Health-Based private insurance expensive?

Accepted Answer

Health-Based plans are typically more affordable because they underwrite on the front end. The plans are very customizable and we can adjust coverages until you are happy with the monthly premium.

Question 5

Will these plans cover me anywhere I go?

Accepted Answer

If you qualify for a health-based plan then YES! Nationwide coverage, on and off the job. They are PPO plans so you aren't limited to coverage in your zip code/county like many plans.

Question 6

What are health insurance prices based on?

Accepted Answer

Public Marketplace-ACA/Obamacare plans are based on household gross income and age.

Health-Based private plans are based on health history and age. In most cases the only way to make coverage any cheaper is to either remove benefits or reverse age. I unfortunately do not have the power to that! 😅

Question 7

Do you offer other insurance plans as well?

Accepted Answer

I specialize in Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, Short Term Disability, and access to every plan out. I am happy to assist you for all of your needs!

FAQ