Frequently Asked Questions

It depends entirely on the type of coverage, and this is where most confusion starts. ACA Marketplace health plans are only available during the annual Open Enrollment Period unless a qualifying life event opens a window for you. Medicare runs on its own separate calendars, including a one-time window when you first become eligible and an annual period each autumn. Life insurance, final expense, accident, and standalone dental and vision coverage have no enrollment window at all and can be applied for any day of the year. Medicaid and CHIP also accept applications year-round for households that qualify. If you are not sure which applies to you, call us and we will tell you exactly where you stand today.

No. Carriers set premiums, and the price is the same whether you enroll on your own or through a licensed agent. There is no fee, no markup, and no charge for a conversation. What you get by working with a broker is someone who checks your doctors and prescriptions before you commit, tracks your deadlines, and picks up the phone months later when a claim gets denied.

A captive agent works for one insurance company and can only offer you that company's products. An independent brokerage is appointed with multiple carriers, so the comparison happens before you are shown anything. That matters most in life insurance, where carriers underwrite the same health history very differently, and in Medicare and health plans, where the right answer depends on which network your doctors are actually in. We do not offer every plan available in your area, and we will tell you plainly when something we cannot sell is the better fit for you.

We can currently write business in 22 states: Alabama, Arizona, Arkansas, Florida, Georgia, Indiana, Iowa, Kansas, Louisiana, Michigan, Mississippi, Missouri, Nebraska, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin. We hold licenses in more states than that, and the list changes as appointments come through, so if you do not see yours here it is still worth asking.

These describe how a plan handles its provider network. An HMO usually costs less each month, keeps you inside a defined network, and often asks a primary care doctor to coordinate referrals to specialists. A PPO costs more but gives you wider choice, generally lets you see specialists directly, and provides some coverage outside the network. An EPO sits between the two: you get PPO-style access without needing referrals, but there is generally no coverage outside the network except in an emergency. Which is better depends less on the label and more on whether the doctors you already see are inside the network.

Look past the monthly premium at the deductible, copays, coinsurance, and the annual out-of-pocket maximum together, because two plans forty dollars apart per month can be two thousand dollars apart by December. Then check the things that are specific to you: whether your doctors are in the network, whether your prescriptions are on the formulary and at what tier, and whether your preferred hospital is included. Published provider directories are not always current, so we verify network participation for your named doctors and pharmacies before you enroll rather than after.

Call (844) 730-0124 and you will reach a licensed agent. You can also book a time that suits you through our appointment page, or send us a message through the contact form and we will get back to you.