FAQs

** Am I able to secure a policy but hold a start date out if I am not ready to pay?

Sure! Most policies give you the ability to lock in a rate and confirm eligibility and hold you start date out for 45 days. This makes it easy so when one policy falls off, there is another to kick in so you don’t double pay and don’t have a lapse of coverage!

**Am I contracted into my plan?

Most all private market options are on a month to month basis; meaning you can cancel at any time!

**Does it have to be Open Enrollment for me to secure a policy?

Open enrollment is specific to Obamacare; ACA can be beneficial for those who are low income or needing coverage for pre-existing conditions. If you are not in either of those categories, you may be better suited for a private market policy— those are available year round. Schedule a consultation if you’re not sure which of these options is better suited for you.

**What kind of services do you offer?

Health, Life, Dental, Vision, Accident, Critical Illness, Income Protector. We can custom tailor a plan to provide all the benefits you would like to include.

**Do you offer PPO networks?

Absolutely! Having a PPO network is crucial; with this benefit you have the ability to choose your doctors. This eliminates the driving 40 miles to see your doctor or having to schedule additional doctor’s appointments to get referrals for specialists.

Not only that, you are covered nationwide, so if you like to travel (whether for vacation, work, etc.) you know you are protected in all 50 states!

**Is it better to have a higher deductible or a lower deductible?

That’s totally dependent on your preferences! Keep in mind you have to pay your deductibles before your benefits kick in. A lower deductible is ideal if you want to see more up front benefits, but that also means a higher monthly payment. Some prefer a higher deductible with a lower premium as a solution solely for major medical events.

**Can I write off my healthcare as a business expense?

Absolutely. I definitely recommend doing this if you are self employed or a business owner. You get more coverage and owe Uncle Sam less at the end of the year (win-win)!

**Can I use my HSA with a plan?

Yes! We would just want to make sure that whatever plan we look at for you is going to be HSA compatible.