Frequently asked questions

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

No. That is only for ACA/Obamacare and government plans. Private insurance plans have flexible start dates (ie: June 11th) and are available year-round.

Is private insurance expensive?

It is much less expensive than you think! From personal experience, I switched to private and saved $1453 for the year!

What are the biggest differences between ACA/Obamacare, Employer Plans, and Private Insurance?

ACA/Obamacare is major medical coverage that cannot deny coverage for any pre-existing conditions. It is most affordable IF you qualify for government subsidy assistance on the monthly premiums for low income. If you aren't getting that discount, it is way more expensive than most plans out there.

Employer Plans are AMAZING for the employee only BUT the minute you add a family member (spouse and/or dependents) on to the plan, that premium is going to skyrocket. This is because employers usually give benefits towards their employee’s coverage while the family will be paying full price in order to be added on the plan.

Private Insurance is health-based, so there is an application process because not everyone may qualify based on their health. Because you're healthy, you're getting a preferred rate so it is cheaper than most plans with BETTER coverage(think auto insurance: the person that has a DUI pays more than the person that does not have one).

Are these year-long contracts?

No! There is no length of time requirement- you have the plan because you need it and cancel it whenever.

Will these plans cover me anywhere I go?

YES! You will have 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.

What is the fee for your services?

No fee! I'm happy to help. The insurance companies pay me directly.

What are insurance prices based on?

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

In most cases the only way to make coverage any cheaper is to either remove benefits or reverse age.

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!