Frequently Asked Questions
Does everyone qualify?
We have plans that are underwritten where they look at pre-existing conditions. We also have plans that are guaranteed issue. So yes, we can cover anyone.
Do I only have the "open enrollment" time period to be able to set up private insurance?
I can write you a policy any time of the year. You can also cancel at any time.
Is private health insurance really expensive?
Generally speaking, private health coverage is less expensive than policies purchased through the marketplace, an employer, and Cobra.
Will private plans cover me anywhere I go?
The plans I have are with the latest network in the United States. You are not penalized for going out of state.
Is this just health insurance? What about dental, vision, etc?
I can add various coverages based on your needs, including dental, vision, life, and accident.
How do I Buy Health Insurance?
For some, buying health insurance can be a confusing and overwhelming process. First, you have to find a health insurance plan within your budget. Then you have to contact the company or an insurance agent in order to get a quote. Once you have all of that information, you can evaluate your options. It is a very personal and complicated process, but there are ways to simplify it.
Now that the Affordable Care Act (sometimes referred to as “Obamacare”) is in place, it is much easier to find a health insurance plan based on your income and personal health needs. In most states, you may even qualify for financial subsidies. You can quickly and easily apply for coverage through the new Healthcare Marketplace.
Before you settle on a plan, you should first get a quote, find a price, and discover any out-of-pocket expenses your plan will expect you to pay (such as deductibles, co-insurance, and copay charges). Once you have all of this information together, it will be easier to find coverage which fits your needs.
What is the Healthcare Marketplace?
What is the Healthcare Marketplace?The passage of the Affordable Care Act established the Healthcare Marketplace. There are two distinct divisions - a state level, and a federal level. 37 states are members of the federal exchange, and 14 are limited to a state exchange. Unfortunately, not all insurance companies are required to provide information about their plans and prices to the Healthcare Marketplace, so be prepared to do some local searching for affordable plans in your area.
The Healthcare Marketplace may also be referred to as the Health Insurance Marketplace. It is a website managed by the federal government. When you visit, you can enter a few personal details about yourself and start shopping for plans in a matter of minutes.