Frequently Asked Questions

We offer comprehensive health insurance plans for individuals, families, and small businesses. Our options include marketplace plans, private plans, short-term coverage, and specialized plans for 1099 contractors. Each plan can be customized to meet your specific needs and budget requirements.

Health insurance costs vary based on factors like age, location, coverage level, and plan type. Individual plans can range from $150-$600+ per month, while family plans typically cost $400-$1,500+ monthly. We work with you to find the most affordable option that meets your coverage needs, and many people qualify for subsidies that can significantly reduce costs.

The main enrollment period is typically November 1st through January 15th. However, you may qualify for Special Enrollment Periods due to life events like job loss, marriage, having a baby, or moving to a new state. Short-term plans and some private plans can be enrolled in year-round. Contact us to determine your eligibility and enrollment options.

HMO (Health Maintenance Organization) plans require you to choose a primary care physician and get referrals for specialists, but typically have lower costs. PPO (Preferred Provider Organization) plans offer more flexibility to see any doctor without referrals but cost more. EPO (Exclusive Provider Organization) plans are a middle ground - no referrals needed but you must stay within the network. We'll help you understand which type best fits your needs.

Absolutely! Our service doesn't end when you enroll. We provide ongoing support to help you understand your benefits, assist with claims issues, and act as your advocate with insurance companies. Our licensed agents are available during business hours to answer questions and help resolve any problems you may encounter with your coverage.

We are licensed to serve clients in over 20 states including Alabama, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Michigan, Missouri, North Carolina, Nevada, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, and Wisconsin. Contact us to confirm availability in your specific area.