Frequently Asked Questions
Do I only have the "open enrollment" time period to be able to set up private insurance?
That is only for ACA/Obamacare/Public Marketplace and government plans. Private insurance is available year-round.
Is private insurance expensive?
It is much less expensive than you likely think! Check out our testimonials to see how much families and individuals are saving on Private market insurance!
What are the biggest differences between ACA/Obamacare, Employer plans, and Private insurance?
ACA/Obamacare/Public marketplace is major medical coverage that you cannot be denied for due to any pre-existing conditions. It is most affordable IF you get a government subsidy on the monthly premiums. If you aren't getting that discount, it is way more expensive than most plans out there.
Employer plans are AMAZING for the employee themselves BUT the minute you add a family member (spouse or kids or both) on to the plan, that premium is going to skyrocket. This is because employers usually give benefits towards their employees but the family will be paying full price to be added on to the plan.
Private insurance is health-based so there is an application process because not everyone may qualify based on health. Because you're healthy, you're getting a preferred rate so it is cheaper than most plans with BETTER coverage..
Will a Private Plan cover me anywhere I go?
YES! Nationwide coverage, on and off the job. They are PPO plans so you aren't limited to coverage in your zipcode/county like many plans.
What is the fee for your services?
No Fee, We are here to help you!
What are insurance prices based on?
Public Marketplace (aka ACA/Obamacare plans) are based on income and age. Private plans are based on health.
In most cases the only way to make coverage any cheaper is to either remove benefits or reverse age. You are you
What plans do you have access to?
We have Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, Income Protection (aka Short term disability) and access to everything out there. Whatever you may be looking for we can assist you with.