Frequently Asked Questions

Where do I even begin?

It's confusing, we know! Start by figuring out your options: Does your job offer insurance? Can you buy your own? Are you eligible for programs like Medicaid or Medicare? Good News- All of these questions can be answered with a quick chat with our agents.  

Why should I get Health Insurance?

It's confusing, we know! Start by figuring out your options: Does your job offer insurance? Can you buy your own? Are you eligible for programs like Medicaid or Medicare? Good News- All of these questions can be answered with a quick chat with our agents.  

What are premiums, deductibles, copays, and coinsurance?
  • Premium: What you pay every month just to have the insurance.
  • Deductible: The amount you have to pay yourself for healthcare before your insurance starts paying.
  • Copay:  A fixed amount you pay each time you go to the doctor or get a prescription.
  • Co-insurance:  After you've met your deductible, this is the percentage you pay for services, with insurance covering the rest.
What's the Affordable Care Act (ACA) I keep hearing about?

Also known as ObamaCare, The ACA was put in effect to make affordable healthcare accessible to Americans. It also prevents insurance companies from refusing coverage to insurers with pre-existing conditions and requires healthcare companies to automatically offer coverage for 10 essential health benefits.

How do I find cheap health insurance?

Call the number below and speak with our licensed agents to see if you qualify for state-approved subsidies (they're based on income), and compare different plans carefully. No matter your income level, there are plans for everyone. 

I have a pre-existing condition. Can they refuse to insure me?

No! Thanks to the ACA, insurance companies can't deny you coverage because of pre-existing conditions.

What are "essential health benefits"?

These are a set of core healthcare services that most health insurance plans are required to cover under the ACA. They include things like preventive care, maternity care, mental health services, and prescription drugs.

 I'm young and healthy. Do I really need health insurance?

Yes, you do! Unexpected accidents and illnesses can happen to anyone, and medical bills can be astronomical. Having insurance protects you from financial ruin. Plus, preventive care is important, even when you're feeling good.

I lost my job. What happens to my health insurance?

You might be eligible for COBRA, which lets you temporarily keep your employer's insurance (but you'll usually have to pay 102% of the cost). We suggest you call the number below and speak to our licensed agents about Medicaid enrollment to see if you and your family qualify for health insurance as low as $0 a month!

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