General Questions
What does an insurance broker do?
As a broker, I represent you, not the insurance companies. I analyze multiple plans from different carriers to find the best fit for your needs and budget, providing unbiased advice and handling the research for you.
Do I pay for your consulting services?
No, my professional guidance comes at no cost to you. My compensation is provided by the insurance carriers, which means you receive expert advice and enrollment assistance for the same price as going direct.
How do I know which plan is right for me?
We start with a thorough consultation to understand your health history, preferred doctors, and budget. Based on this, I present clear options and explain the key differences so you can make an informed decision.
Medicare Plans
What is the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement (Medigap) works alongside Original Medicare to pay for out-of-pocket costs, while Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare, often including drug, dental, and vision coverage.
When is the Initial Enrollment Period for Medicare?
The Initial Enrollment Period is a seven-month window that begins three months before the month you turn 65, includes your birth month, and ends three months after.
Do Medicare plans cover prescription drugs?
Original Medicare does not cover most prescription drugs. You can get coverage through a standalone Medicare Part D plan or a Medicare Advantage plan that includes drug coverage.
Can I switch Medicare plans once I have enrolled?
Yes, you can typically switch plans during the Annual Enrollment Period (Oct 15 – Dec 7) or during certain Special Enrollment Periods if you experience a qualifying life event like moving.
Individual Health Insurance
What is an ACA (Obamacare) Plan?
ACA plans are health insurance policies that comply with the Affordable Care Act, offering essential health benefits and protections for individuals and families who do not have access to employer-sponsored coverage.
Can I keep my doctor with individual health insurance?
Most individual plans have provider networks. During our consultation, I will help you verify if your preferred doctors and hospitals are included in the network of the plans you are considering.
Are pre-existing conditions covered?
Yes, all ACA-compliant health insurance plans must cover treatment for pre-existing conditions. You cannot be denied coverage or charged more based on your health history.
Dental & Vision Plans
What is typically covered under a dental plan?
Most plans cover routine cleanings, X-rays, and exams at 100%. Basic procedures like fillings and major procedures like crowns or bridges are usually covered at 50-80% depending on the plan level.
Are there waiting periods for vision insurance?
Vison plans typically have no waiting periods for exams or materials like glasses and contacts. You can often use these benefits immediately upon the policy's effective date.
Can I choose any dentist or eye doctor?
Most plans utilize a network of providers to offer the lowest out-of-pocket costs. PPO plans typically allow you to see out-of-network providers, though your costs may be higher than staying in-network.
Final Expense & Critical Illness
What is Final Expense insurance?
Final Expense insurance is a type of whole life insurance designed to cover end-of-life costs, such as medical bills and funeral expenses, ensuring these burdens don't fall on your family.
How does Critical Illness coverage work?
Critical Illness plans provide a lump-sum cash payment upon diagnosis of a covered serious condition, such as a heart attack or stroke, to help pay for costs not covered by traditional health insurance.
Can I have both health insurance and a Critical Illness plan?
Yes. Critical Illness plans are supplemental and are designed to work alongside your existing individual health or Medicare insurance to provide extra financial security during a major health event.
Are Final Expense plans hard to qualify for?
Generally, no. Most Final Expense plans have simplified underwriting, often requiring only a few health questions rather than a full medical exam, making them accessible to many seniors.
Still Have Questions?
If your question isn’t listed, call 321-200-4724 or use our contact form for a response within 1 hour.