Do I pay for your services?

No. We do not charge extra fees for our services. Whether you go through an agent to obtain health coverage or you go directly to the insurance company or marketplace, you will pay the same monthly premium for the same policy.

What is the benefit of meeting with an insurance broker?

Health insurance coverage is a complex product. It is important to know the options available to you so you can make an informed decision. We help you navigate through those options so you can choose the right one for you.

What do I do if I have lost my employer-sponsored health coverage?

You may have an option to keep your coverage through State continuation or COBRA, depending on the size of your company. You also have a qualifying event to make you eligible for a special enrollment period to purchase individual coverage (Affordable Care Act) outside the Open Enrollment Period. You have 60 days from when your employer coverage expires to obtain coverage thru the Affordable Care Act. We will help you research the options so that you make the right choice.

What if I can't afford it?

Under the Affordable Care Act, if your household income is within certain limits, then you may be eligible for a subsidy which can significantly lower your monthly premium. We will help you determine if you are eligible for subsidy.

I missed the Open Enrollment Period. Can I still get health coverage?

If you did not enroll into a health plan during the Nov 1 – Dec 15 Open Enrollment, you can only enroll into ACA coverage if you have a Special Enrollment Period. You are eligible for a Special Enrollment if you have a Qualifying Event, such as Loss of Employer Coverage or Medicaid, Relocation, Birth of Child, Marriage/Divorce. You must enroll within 60 Days of the Qualifying Event. If you have not had a Qualifying Event, then you can enroll into a Short Term Medical Plan which will provide coverage until the next Open Enrollment Period.

What are my coverage choices under Medicare?

Option 1: Original Medicare includes Part A (Hospital/Inpatient) and Part B (Outpatient/Physician/Diagnostics). You will want to purchase a Supplement Plan (Medigap) to “fill the gaps” in Parts A and B, such as deductibles, coinsurance, etc. You will also need a separate Medicare Drug Plan (Part D). Medicare Supplement combined with a Drug Plan usually provides you with the best coverage and gives you the freedom to see any provider that accepts Medicare. Option 1: Medicare Advantage (Part C). This is an “all in one” alternative to Original Medicare, which includes your medical coverage and drug coverage. However, you may be subject to more out-of-pocket costs for services and you will most likely need to use in-network doctors/providers.