Your Questions, Answered
Explore our FAQ to learn more about our tailored plans, comprehensive solutions, and personalized approach to meeting your health insurance needs.
We provide a variety of insurance plans to meet your needs. Here are a few of our services:
-
Group Medical Insurance
-
Spending Accounts
-
Supplemental Gap Insurance
-
Dental Insurance
-
Vision Insurance
-
Disability Insurance
-
Accident Insurance
-
Critical Illness Insurance
-
Hospital Indemnity Insurance
-
Life Insurance
-
Individual Medical Insurance
& more!
-
The Open Enrollment Period is the annual window when you can enroll in or make changes to your health insurance plan. For most plans, this occurs once a year. If you miss this period, you may only make changes if you qualify for a Special Enrollment Period.
Some of these qualifying events include:-
Marriage
-
Divorce
-
Having a Baby
-
Losing Existing Coverage
-
Our experienced team helps you assess your needs based on factors like your healthcare usage, budget, preferred doctors, and required medications. We provide personalized recommendations to ensure the plan fits your lifestyle and goals.
Group health insurance is typically offered by employers and covers multiple members under one policy, often at a lower cost per person. Individual health insurance is purchased directly by individuals or families and offers more customization but may come at a higher cost.
GENERAL QUESTIONS
COVERAGE DETAILS
HMO (Health Maintenance Organization) plans require you to choose a primary care physician and get referrals for specialists, typically offering lower costs. PPO (Preferred Provider Organization) plans provide more flexibility by allowing you to see any doctor without referrals, though at a higher cost.
You can check a plan’s provider directory on the insurer’s website or contact us, and we’ll help you verify if your preferred doctor is in-network.
Most plans cover preventive services like vaccinations, annual check-ups, and screenings at no additional cost when provided by an in-network provider.
You can only change plans during the Open Enrollment Period or if you qualify for a Special Enrollment Period due to a life event like marriage or the birth of a child.
COBRA (Consolidated Omnibus Budget Reconciliation Act) allows you to continue your employer-sponsored health insurance temporarily after leaving a job. You’ll pay the full premium, including the portion your employer previously covered.
We are here to help! You can contact us by phone, email, or schedule a consultation to get personalized advice.
If you’re experiencing issues with your coverage, contact us or your insurer’s customer service team for resolution. We’re here to advocate for you and help address any concerns.
