F.A.Q.

What Do I Look For?

Deductibles, Network Types and MOOP are most important when it comes to your coverage.

Why Is Insurance Important?

According to the New England Journal Of Medicine, 4% of Americans are forced to declare bankruptcy due to unpaid medical expenses
- 13% of adults in the U.S. have over $10,000 in medical debt.
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- A Long-Term major medical condition can cost about a million dollars in expenses.

How Is My Premium Determined?

What If I'm Offered Employer Coverage?

That's awesome! Employer coverage is usually the best option for the employee, But when it comes to adding spouses and dependents, not so much.
- It's not uncommon to have your family on a separate plan for cost efficiency

What If My Whole Family Doesn't Qualify?

It's not uncommon to have families on separate plans. This can be both more affordable and a better option for benefits.

Does The Whole Family Have to be on The Same Plan?

Not at all! Depending on what you need covered and what you can qualify for, sometimes it's actually in the best interest of the client to be on separate plans.

Is There an Enrollment Period?

The Public Marketplace does have an Open Enrollment period. (Usually 11/01-12/15)
- Qualifying Life Events are an exception to this time frame
Some Employers have enrollment periods as well (Usually annually or bi-annually)
Private insurance is available for enrollment year-round

Is There A Contract?

There is no contract or timely agreement for any type of insurance except for some employer coverage options.

What If I Move?

This depends on your network type. a PPO is the only type of plan that travels with you.

What If My Income Changes?

Income is only a factor when it comes to government assistance or subsidies.
- This only applies to Public/Marketplace Insurance