FREQUENTLY ASKED QUESTIONS
Clear Answers. Confident Decisions.
Insurance doesn’t have to be confusing.
Health insurance can come with a lot of questions. Here are clear answers to some of the most common things clients ask when choosing, changing, or understanding their coverage.
CHOOSING A PLAN
There isn’t one plan that’s best for everyone. The right plan depends on your doctors, prescriptions, budget, preferred coverage, and household situation. I’ll help you compare your options and find coverage that fits your needs.
Absolutely. We can look at available plans and help you determine whether your preferred doctors, hospitals, and prescriptions are covered.
Prescription coverage varies by plan. We can review the plan’s drug coverage and help you determine whether your medications are included.
If you’re looking for individual or family health insurance, there are different coverage options to consider. I can help you compare available options and determine what makes the most sense for your situation.
Yes. Individual and family health plans may cover spouses and dependent children, depending on eligibility and the circumstances of your household.
COSTS & COVERAGE
Your monthly premium can vary based on your household income, age, location, household size, and the plan you choose. Depending on your situation, you may qualify for financial assistance that can significantly reduce your monthly premium.
Yes. Marketplace health plans cannot deny you coverage or charge you more because of a pre-existing health condition.
A deductible is the amount you generally pay for covered healthcare services before your health plan begins paying according to the plan’s benefits. Deductibles vary significantly between plans.
Deductible: What you pay before your plan begins sharing costs for many covered services.
Copay: A set dollar amount you pay for a covered service.
Coinsurance: The percentage of the cost you pay after meeting your deductible.
ENROLLMENT & CHANGES
You can generally enroll during the annual Open Enrollment Period. You may also qualify for a Special Enrollment Period if you experience a qualifying life event, such as losing other coverage, getting married, having a baby, or moving.
Losing employer-sponsored coverage may qualify you for a Special Enrollment Period, allowing you to enroll in new coverage outside of Open Enrollment.
Generally, you can change plans during Open Enrollment or if you qualify for a Special Enrollment Period.
GETTING STARTED
Absolutely free to you for my services. My goal is to make the process simple and easy to understand. I can help you compare available options, explain the costs and benefits, and assist you through the enrollment process.
It’s easy. Request a quote or contact me, and I’ll ask a few questions about your household and coverage needs. From there, we’ll review your available options together and begin your application.