Frequently asked questions

No. There's no fee to talk with me, get quotes or enroll. Agents are paid a commission by the insurance company you choose.

Prices are set by the insurance companies, not by me, so working with me doesn't add to your premium.

No. A quote is just information. Take your time, ask questions and decide when you're ready. If nothing fits, that's fine too.

Most people finish in one phone call of about 20 to 30 minutes. Having your ZIP code, birth dates for everyone on the plan, an estimate of your household income and a list of your doctors and prescriptions makes it faster.

You'll get a welcome packet and ID cards from your insurance company. I'm still your contact if you have questions, need to update your plan or want to review options at the next renewal.

Many private health plans can be bought any time of year, and coverage can start quickly, sometimes as soon as the next day. A few plan types only enroll during set times of the year. I'll tell you which options are open to you right now.

For some plans, yes. Many private plans ask health questions, and your answers can affect approval and price. Other plans don't ask about your health at all. If you have a health condition, I'll point you toward the plans that will work for you.

It depends on the plan. Some plans cover them fully, while others, like many short-term plans, may exclude or limit coverage for conditions you had before you enrolled. I'll explain exactly what each plan does and doesn't cover before you decide.

It depends on the plan's network. Tell me which doctors, hospitals and pharmacies matter to you and I'll check which plans include them before you choose.

Temporary coverage for gaps, like between jobs or while you wait for other coverage to start. It's usually lower cost, but it covers less than a full plan and may not cover pre-existing conditions. How long you can keep it depends on your state.

Plans like accident, critical illness and hospital indemnity pay cash benefits directly to you when something covered happens. You can use the money however you need, like for your deductible, rent or groceries while you recover. Supplemental plans work alongside your main health plan. They don't replace it.

You can buy the same plans as anyone else, and you get to pick coverage that fits your work and budget. Self-employed people may also be able to deduct their health insurance premiums on their taxes. Ask your tax preparer how that applies to you.

Your deductible is what you pay for covered care before the plan starts sharing costs. Your out-of-pocket maximum is the most you'll pay in a year for covered care. After you hit it, the plan pays 100% of covered services for the rest of the year. See the health insurance page for more terms.

If anyone depends on your income, like a spouse, kids or a business partner, or you have debts like a mortgage, life insurance helps make sure they're taken care of if something happens to you.

Often not. Employer coverage is commonly one or two times your salary, and it usually ends when you leave the job. Your own policy stays with you no matter where you work.

Often, yes. Prices depend on your health, and some conditions raise the cost, but there are policies with simplified questions or no medical exam. I'll help you find what's available to you.

Not always. Many policies today approve people based on a health questionnaire and records checks, with no exam. Larger coverage amounts are more likely to need one.

No. I use your information only to help you with insurance. See the privacy policy for details.