GENERAL QUESTIONS

-If you're under 65, we offer Marketplace individual and family health insurance plans. 

-If you're 65 and older or have a specific disability, we offer Medicare Advantage, Medicare Supplement (Medigap), Part D, and assistance with Medicaid where applicable. 

We aim to match you with coverage that fits your needs and budget.

No. Our services are 100% free to you. We’re here to help you find the best coverage for your needs at no additional cost. 

Yes. We guide you through your options by assessing your healthcare needs, budget, and eligibility. You do not need to know where to start; we will walk you through the process step-by-step.

We work with many reputable insurance providers, but not all of them. We focus on offering plans from trustworthy companies that provide our members substantial value.

To schedule a free consultation, contact us by phone, email, message, or online schedule. We offer both in-person and virtual appointments for your convenience.

You must have Medicare Part A and Part B (Original Medicare) during your Initial Enrollment Period, which begins three months before your 65th birthday and ends three months after your birthday month. Then, you can enroll in Medicare Advantage or Medicare Supplement and Part D.

You can change your Medicare plan options in later years or different situations during annual and special enrollment periods. Please contact us for your specific situation!

-Medicare Advantage (Part C) replaces Original Medicare and may include additional benefits like dental, vision, hearing, and prescription coverage. 

-Medicare Supplement plans work alongside Original Medicare to help cover out-of-pocket costs like deductibles and copayments, and they have no additional benefits.

Prescription drug coverage is not included in Original Medicare. You must enroll in a stand-alone Part D plan or choose a Medicare Advantage plan with drug coverage.

Yes. You can make changes during the Annual Enrollment Period, which runs from October 15 to December 7 each year, and under certain conditions during special enrollment periods.

Medicaid is a state and federally funded program that provides health coverage to low-income individuals and families. Eligibility is based on income, household size, and other factors, such as disability or pregnancy.

Yes! If you qualify for both, you're considered "dual eligible" and can get additional help through special plans designed to coordinate your care and reduce out-of-pocket costs.

We can help you with the application process or guide you through your State's Medicaid portal to check eligibility and submit your application. 

Coverage varies by State but generally includes hospital services, doctor visits, prescription drugs, maternity care, and preventive care. Some States also offer dental, vision, and long-term care services.

Anyone under 65 who doesn't have access to employer-sponsored coverage or government programs can apply for an individual plan.

Yes! We can help you apply through the Marketplace and see if you qualify for subsidies to lower your monthly premium. 

You may still qualify for a Special Enrollment Period if you've experienced a life event like losing coverage, moving, or getting married.