Frequently Asked Questions

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ACA/Obamacare Plans:

• These plans are tailored for those who qualify for government assistance or have significant health concerns.
• They provide comprehensive coverage for a range of medical needs, accepting anyone and everyone, with soaring costs if you aren't one of the above.

Employer Plans:

• While excellent for individual employees, it's important to note that costs may rise significantly when including family members on plans.

Short Term Plans:

• Short-term plans often have lower premiums, but it's crucial to be aware of potential financial exposure in major claims due to limited max-out-of-pocket protections.
• They are primarily designed to bridge gaps in coverage and may not include wellness or pre-existing condition coverage.

Private Insurance:

• This type of insurance involves a health-based application process to ensure tailored coverage for those who qualify.
• Your excellent health could result in a preferred rate, providing more cost-effective coverage with comprehensive benefits.

Copays:

• A co-pay is a fixed amount you pay for a covered service at the time of receiving care (e.g., a doctor's visit or prescription). It's a set fee and does not typically count towards your deductible.

Deductibles:

• The deductible is the amount you must pay out of pocket for covered services before your insurance plan starts to share the cost. Once you meet your deductible, your insurance plan begins to contribute to the expenses, usually through coinsurance or copayments.

Premiums:

• A premium is the regular payment you make to your insurance company to maintain your coverage. It's not tied to specific medical services. Paying your premium is essential to keep your health insurance active.

Yes! I will be your advisor for the lifetime of your plan. Feel free to reach out, and we'll work together to resolve any issues promptly and efficiently.

Absolutely! I am dedicating to providing continous support throughout the year. Whether you have questions about claims, need to make adjustments to your coverage, or experience any changes in your circumstances, I'm here to assist you every step of the way.