Frequently Asked Questions - FAQ's
Announcement: Open Enrollment for ACA/Obamacare ends Jan 15, 2023
Open Enrollment for government sponsored plans end January 15th 2023 for policies effective and active February 1, 2023 .
Private health insurance is available throughout the year. We work with all the major Insurance providers in your state. Please schedule a call today and we will design a plan that fits your needs and budget in minutes. Don't delay!
Frequently Asked Questions - FAQs
Customers have questions, we have answers. Here are the most frequently asked questions, so everybody benefits. If your questions aren't answered here, please click the Chat icon or Book an Appointment button below.
-Do you offer other types of insurance plans also?
Yes, We offer Full Medical/Health, Vision, Dental, Supplemental, Income Protection (Short term disability), Critical illness and access to any health insurance on the market. Give us a try!
-What is the fee for your services?
No fee, we don't charge you for our help.
-Will my new plan cover me anywhere I travel?
Yes, you will have coverage nationwide with your PPO. This means you are not limited to coverage within a certain zip code or county like many plans.
-What determines insurance prices?
Marketplace (aka Obamacare/ACA plans) are based on income and age. Private plans are based on health. Costs can change depending on the benefits you choose.
-Do I need to enroll during the open enrollment period to sign up for private health insurance?
Open enrollment is only for ACA/Obamacare and government plans. Private insurance is available anytime.
-Do I have to sign a year long contract?
No, you start and stop your policy when you wish. You have your insurance as long as you need coverage.
-What are the main benefits of Private Health Insurance compared to ACA/Obamacare?
Private plans will cost you less and provide you more benefits. Private health insurance plans generally offer a wider range of coverage options and may have lower out-of-pocket costs for policyholders compared to plans offered under the Affordable Care Act (ACA), also known as Obamacare. Private plans are able to underwrite, or assess the risk of insuring, individual policyholders based on their health status and other factors, which can allow them to offer lower premiums to healthier individuals. Government and employer-sponsored plans, on the other hand, are required to cover all enrollees, regardless of their health status, which can result in higher premiums to spread the risk of insuring a potentially less healthy pool of individuals.