Frequently asked questions

No. Insurance companies pay agents a commission, so your premium is the same whether you enroll with us or on your own. You get a licensed guide at no extra cost.

We are licensed in 24 states: Alabama, Arkansas, Florida, Georgia, Iowa, Kansas, Kentucky, Maryland, Michigan, Mississippi, Missouri, Nebraska, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin. If you live elsewhere, contact us and we’ll point you in the right direction.

Use our Verify your agent tool to search by name or NPN (National Producer Number). If you can’t find them, call us before sharing any personal information.

Yes. Start your application online, or request a quote and an agent will help you choose a plan first.

Your premium is the amount you pay each month to keep your plan active, whether or not you use care that month.

The amount you pay for covered care each year before your plan starts sharing the cost. Many plans cover preventive care and some visits or prescriptions before the deductible.

A copay is a flat amount for a service, like $30 for a doctor visit. Coinsurance is a percentage you pay after your deductible — for example, 20% of a hospital bill while the plan pays 80%.

The most you’ll pay for covered, in-network care in a year. Once you reach it, the plan pays 100% of covered services for the rest of the year. Premiums don’t count toward it.

An HMO usually requires you to use doctors in its network and get referrals to see specialists, and it often costs less. A PPO lets you see specialists without referrals and covers some out-of-network care, usually for a higher premium. Read more.

It depends on the plan’s network. Tell us your doctors and we’ll check which plans include them before you enroll.

During the annual Open Enrollment Period each fall, which typically starts November 1 (end dates vary by state). Outside of it, you need a qualifying life event — like losing other coverage, moving, marriage, or having a baby — which usually gives you 60 days to enroll.

Yes. ACA-compliant plans can’t deny you or charge more because of a pre-existing condition. Short-term and some private plans are medically underwritten and may exclude them — we’ll explain the difference before you choose.

There’s no federal penalty, but a few states — including California, Massachusetts, New Jersey, Rhode Island and the District of Columbia — have their own requirement.

Usually only with a qualifying life event, or during certain Medicare enrollment periods. Call us when something changes and we’ll tell you what your options are.

Your Initial Enrollment Period is the seven months around your 65th birthday. Each year, the Annual Enrollment Period runs October 15 to December 7, and the Medicare Advantage Open Enrollment Period runs January 1 to March 31. Some life events create Special Enrollment Periods.

Medicare Advantage (Part C) replaces Original Medicare with a private plan, often with a network and extra benefits. Medicare Supplement (Medigap) works alongside Original Medicare to pay some of your out-of-pocket costs. Read our comparison.

Original Medicare covers very little routine dental or vision care. Many Medicare Advantage plans include some coverage, and standalone dental and vision plans are available.

If anyone depends on your income — a partner, children, a mortgage — life insurance protects them. Being young and healthy is also when coverage costs the least.

Term life covers you for a set period (like 20 years) at a lower cost. Whole life lasts your whole life and builds cash value, at a higher premium.

Plans like accident, critical illness, cancer and hospital indemnity pay cash benefits directly to you when something covered happens, to help with deductibles, bills or lost income. Learn more.

Adult dental usually isn’t. Children’s dental is an essential benefit under the ACA, and separate dental and vision plans are easy to add.