Providing the Protection You Need
When You Need It Most

FAQ

What services do I offer?

I am always available to help self-employed, independent contractors, small businesses, individuals, and families under the age of 65 find the best health insurance option for them. I can assist with benefit explanations, the application process, customer service, and finding a new in-network doctor. I also offer dental, vision, and supplemental insurance.

Are there any fees associated with using my services?

No, all my services are entirely free to you!

What are insurance quotes based on?

They are based on several factors such as age, zip code, tobacco use, and income, and depending on the plan; your health could be a factor.

Can I help with offering benefits to your employees?

Yes, I can help with under 50 employees. We can offer them health, dental, vision, and supplemental.

Can I get insurance Outside of Open Enrollment?

Yes, some options are available year around. Depending on your situation, I may suggest you wait until Open Enrollment.

I don’t know anything about health insurance; where do I start?

No problem at all! If there is one truth about health insurance, it’s that it is confusing and frustrating at best for most people. I’m here to educate you on all options, so you can make the best decision.

What health insurance options do you have access to?

I can shop all the plans in the state. I am a broker through the marketplace and also have options available privately.

What is the difference between an HMO and a PPO plan?

HMO (Health Maintenance Organization) plans usually require you to choose a primary care doctor and get referrals to see specialists. PPO (Preferred Provider Organization) plans offer more flexibility in choosing healthcare providers and specialists, often without a referral, but they may come with higher premiums and out-of-pocket costs.

How can I choose the right health insurance plan for my needs?

Choosing the right health plan depends on your medical needs, financial situation, and preferences. Consider factors like monthly premiums, deductibles, provider networks, and out-of-pocket costs. It’s helpful to evaluate how often you visit the doctor, your prescription needs, and whether you have any ongoing treatments. Consulting with an insurance expert can help you make the best decision.

Can I keep my doctor with a new health insurance plan?

 It depends on the type of plan you choose. Some plans, like PPOs, allow you to see any doctor. Other plans, like HMOs, may require you to use a specific network of doctors. Before switching plans, you should check if your current doctor is in-network.



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