Frequently Asked Questions
Common questions about private health insurance and how I can help you find the right coverage.
About My Services
Yes, 100% free to you. As a broker, I'm compensated by insurance carriers when you enroll in a plan. This is standard industry practice, and it means you pay the exact same premium whether you work with me or go directly to the carrier—so there's no reason not to get professional help.
When you go direct to an insurance company, you only see their plans. I can show you options from multiple carriers so you can compare. Plus, I help you understand the differences, handle the paperwork, and I'm here year-round if you have questions or issues. Think of me as your guide through the confusing world of health insurance.
I specialize exclusively in private health insurance for individuals and families. I do not work with ACA, Medicare, or Medicaid. This focused expertise allows me to provide deeper knowledge and better service for my specific area.
I personally review every quote request and respond within 24 hours, often much sooner during business hours. There are no automated responses or call centers—you'll hear directly from me.
Absolutely not. A quote is just information to help you make a decision. If you decide the options aren't right for you, that's completely fine. My goal is to help you make an informed choice, not to pressure you into anything.
Understanding Coverage
A deductible is the amount you pay out of pocket before your insurance starts covering costs. A copay is a fixed amount you pay for specific services (like $25 for a doctor visit) regardless of your deductible. Some plans have both, some have one or the other. When we talk, I'll help you understand exactly how your chosen plan works.
For ACA marketplace plans, there's an Open Enrollment Period typically from November to mid-January. But, many private plans are available year-round. Contact me and I'll help you understand your options based on your situation.
Under the Affordable Care Act, marketplace plans cannot deny you coverage or charge you more because of pre-existing conditions. Some non-ACA plans may have different rules. I'll help you understand which plans will work best for your specific health situation.
This depends on the plan and its provider network. If keeping specific doctors is important to you, let me know and I'll help you find plans where they're in-network. I can also show you how to check provider directories before you commit to a plan.
Premiums vary widely based on your age, location, tobacco use, and the plan you choose. Plans with lower premiums typically have higher deductibles, and vice versa. You may also qualify for subsidies that reduce your costs. Request a quote and I'll show you actual prices for your specific situation.
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