Can I get health insurance if I am self-employed?
There may be options for self-employed individuals. Eligibility and cost depend on several factors, so we review your situation before recommending alternatives.
Does my income affect the options available to me?
Income can affect certain options and programs. That is why part of the evaluation includes understanding your household, income, and other applicable factors.
Can my immigration status affect eligibility?
It can matter depending on the product or program. We review applicable documentation and requirements with you before moving forward.
Can I keep my doctor?
It depends on the plan’s network. Before you choose, we can help verify whether your doctors and hospitals participate in the options you are considering.
Can I change my primary care physician?
Many plans allow changes under certain rules. We guide you on how to verify this and make the change when applicable.
What if I take medications regularly?
Reviewing the drug formulary and plan terms is an important part of the comparison when ongoing medications are involved.
What is the difference between premium, deductible, and out-of-pocket maximum?
The premium is the monthly cost of maintaining coverage. The deductible and out-of-pocket maximum help determine what you may pay when using services. We explain how they work together before you choose.
I already have insurance. Can you review it even if I did not buy it through you?
Yes. We can start by reviewing what you already have to identify strengths, possible gaps, and whether other options may be worth considering.
How much life insurance do I need?
There is no single number for everyone. We review responsibilities, income, debt, dependents, goals, and budget to help estimate a reasonable coverage need.
I already have a life insurance policy. How do I know if it is still appropriate?
We review coverage, duration, premiums, beneficiaries, and current goals to help determine whether the policy still meets your needs.