frequently asked questions!
Here to help with the answers you need.
>> What are some differences between Obamacare, Employer plans, and Private insurance?
Obamacare can not deny you due to preexisting conditions. Also, if you can qualify based on income, you may be able to utilize a government subsidy. Those are in place to help with the monthly premium.
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Employer plans are great for the employee BUT once you add a family member (spouse or kids or both) onto the plan, that premiums tend to increase. This is because your employee sees you as an asset, while your insured family members are considered a potential liability to your employer, since they are not employed directly themselves.
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Private insurance is based on health so there is an application and underwriting process, therefore, not everyone may qualify. If you are indeed healthy, you will likely receive a more affordable plan with BETTER coverage.
>> Is private insurance expensive?
In most cases it is less expensive if you can qualify based on your health!
>> Do I have to wait for "Open Enrollment" for Private Insurance?
Only ACA/Obamacare plans have a designated window of time to enroll. Private insurance is available year-round.
>> What is the difference between HMO and a PPO?
HMO stands for Health Maintenance Organization. HMO's are structured based on referrals from a doctor that is assigned to you when you enroll in a policy. PPO stands Preferred Provider Organization. PPO's are structured to give you the ability to choose from any doctors or facilities that are within the given network.
>> What is COBRA?
Cobra is an extension of your employer plan once you are no longer employed by that company or employer. In most cases, it tends to be fairly expensive because you are no longer receiving the employer contribution to the premium.
>> What is a Subsidy?
A Subsidy is assistance with the premium from either the government or an employer.
>> What is a deductible?
A Deductible is an amount that you need to meet before receiving any benefits provided by the insurance.
Ex. If you have an $8,000 deductible, you will have to come out of pocket that $8,000 in medical bills before the insurance contributes to any bills you receive after that amount is met.
>> What do you offer?
I have access to Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, and Income Protection (aka Short term disability). I'd be more than happy to guide you in the right direction if you are needing something specific!
>> Is there a fee for your services?
No fee at all!