Frequently Asked Questions
What is a deductible?
The amount you are expected to pay before the insurance company starts contributing.
What is a max out of pocket?
Your annual safety net! This is the max you would ever come out of pocket worth of medical bill before all other expenses are fully covered by the insurance company.
What is a copay?
A fixed amount you pay at the time of service
What does coinsurance mean?
How you and the insurance company split the bill after you satisfied your deductible.
I am relatively healthy, do I need insurance?
Yes. Accidents are inevitable (yes, even for you) and very expensive! The average ER visit costs is over $2,000.
What is the point of insurance?
Any form of insurance (whether auto, home, life, or health) is intended to protect you from financial hardship. Health insurance is primarily intended to help avoid bankruptcy from the healthcare and hospital system in the event of a medical emergency. Did you know the number one leading cause of bankruptcy in the US is due to medical bills?
Hopefully you never have to use your insurance but better safe than sorry!
Do I need to wait until Open Enrollment to apply?
Nope! Private, health-based plans are available year-round. Open Enrollment only applies to employer and Obamacare plans.
When is Open Enrollment?
Typically from November - mid January.
What are the benefits of working with a licensed agent?
Working with a state licensed agent is a free service to help ensure you choose the best possible option available to you! Not only will they help you find a great plan, but they also act as your very own customer service representative- answering questions, helping with claims, etc.
Why am I getting blown up with spam calls?
Unfortunately, it seems you may have visited a website that has sold your information. Don't worry, your info is safe with us! We promise to NEVER share your information with any third-party organizations. To get the spam to stop, check out the next FAQ.
I was researching quotes online and now I can't get the calls to stop! What do I do?
1) Register your phone number on DoNotCall.gov ASAP!
2) Download the free app RoboKiller. It won't stop all the calls but it will at least let you know which ones are spam/real,
3) Ask for proof of their state license and company credentials. If they do not provide their license OR show a license with someone else's name, stop all further communication!
4) Request to be removed from their list and express you are revoking your consent to any further telemarketing communication. Once concent is revoked, they are no longer allowed to legally contact you.