Frequently Asked Questions

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There is more to consider other than the monthly cost, when selecting a plan. Other factors would be coverage type, network, deductibles, out-of-pocket costs, and co-pays/co-insurance. During our consultation, we go over all of the above and help you understand the health plan.

We usually request that you have your doctors' names, clinics/hospitals, or medicines on hand to make sure it is in network.

Yes, insurance carriers cannot deny coverage to individuals with pre-existing conditions. There is a plan for everyone.

Keep in mind that your employer’s policy only covers you if you work for them. You may lose your coverage if terminated or with retirement. Individual policies offer more customization and often have lower premiums.

No, tax estimates are free and “no obligation” as our insurance quotes.

If you are unsure if you need more coverage in case of death, a general rule of thumb is to multiply 5-10x your annual salary. Another way of determining your benefit amount is to consider the amount of debt you may have plus funeral costs or other specific expenses.