Question 1

I have never shopped for insurance before …. What are some things I should ask?

Accepted Answer

1.  Can I choose my doctors ? 
 
2.  What’s my maximum out of pocket for medical expenditures ?
 
3.  Can my premium increase due to claims or is it guaranteed renewable?

Question 2

Why are employer options expensive to add my family but not expensive for just myself?

Accepted Answer

Once your employer group reaches a certain threshold, they are required to contribute at minimum 50% of their employees’ coverage cost.  However, there is no requirement for them to contribute to any additional family or spouse members. 
 
Your age is also not a rate baring factor with employer options. Pricing is predicated on 1. Group size and 2. Claims submitted from the entire group. Therefore, regardless of if you are 55 or 31 both parties are paying the same value on their selected coverage.

Question 3

What is Short-term Insurance?

Accepted Answer

Short-term health insurance (STM) refers to medical coverage that is used for a temporary period of time and are traditionally the cheapest cost of coverage.  Short term insurance can be found with carriers such as BCBS, CIGNA, UHC, Aetna and more. However, STM does not provide coverage for preexisting conditions or associating complications, prescriptions or offer preventive care. Traditionally, STM options have heavy gaps and caps of coverages.

Question 4

What is a Medi-Share program?

Accepted Answer

Medi-Share also known as - cost sharing- is a non-profit, Christian-based medical expense-sharing program. Members pay a monthly share into one large sum, which is technically a credit union account. Those with expenses use that money to pay their bills if the bill is approved by the governing body. This route is not regulated and 100% of exposures rest in the individual participants that opt this coverage .

Question 5

What is the difference between an HMO & PPO?

Accepted Answer

Insurance in America is a for profit business. Therefore, if the state is required to give “free” healthcare out to those who financially qualify they will then Increase the premium for those who dont  and restrict who you can see to bring their “profits” back to equilibrium .

HMO stands for Health Maintenance Organization and is a type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage.

PPO stands for Preferred Provider Organization and provides coverage for both in and out of network services allowing them to be nationwide .

** note some short term plans do use a PPO network. A “PPO” network does not make a ‘health plan comprehensive  **

Question 6

Will your plans cover me anywhere I go?

Accepted Answer

YES! Nationwide coverage for both on and off the job. They are PPO plans, so you aren't limited to coverage in your zip code/county like many plans.

Question 7

Does “Open Enrollment" apply to private options as well?

Accepted Answer

NO !! You can enroll in a private plan 365 24/7 all year-round. Open Enrollment only pertains for the ACA/Obamacare and government plans.

Question 8

Is there a contractual obligation?

Accepted Answer

No! Health insurance is entirely month to month and carriers no cancelation or termination fees. Use your plan only when you need it.

Question 9

Are you just a "Local" Agent?

Accepted Answer

Nope! I am licensed to advise and transact in over 33 of our Nation’s Greatest States! By being a national and not a state advisor I am not limited or restricted and can look into ALL options and routes to help protect what matters most: Our Health.

Question 10

Why does my state plan keep increasing in cost?

Accepted Answer

Once again, insurance is a for profit industry. Regardless of our personal beliefs, it is a business. They continue to increase your premiums to offset the “free” healthcare they currently give out or dependent on claim usage in both your area and individually. 
 
State insurance in FL is more expensive than state insurance in WY because FL is more populated and therefore causes greater claim usage compared to WY.

Question 11

Do I pay you anything?

Accepted Answer

Nope :)!  I am 100% free and carry no fee. I also personally come with you for the life of whichever plan you pick. We are always in this together!
 
The only thing I ask, is that if you are happy with my services, please do not keep me a secret! Let your friends, family, co-workers and neighbors know I exist and hopefully I can help them out as well!

Frequently Asked
Questions

More questions?
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Frequently Asked Questions

More questions? Click below!

Frequently Asked
Questions

More questions?
Click below!