Frequently Asked Questions (FAQs)

Q: Is there a fee to work with an insurance agent?
A: No—our services are completely free for you. As licensed agents, we get paid by the carriers, so we can help you compare plans, understand your options, and enroll at no cost.

Q: What kinds of insurance can I get help with?
A: We can assist you with:

• Medicare plans (Part A/B, Advantage, Medigap, Part D)
• ACA/Marketplace health insurance
• Life insurance (term, whole, final expense)
• Employer-sponsored group benefits (medical, dental, vision, life)
• Standalone dental & vision coverage
• Supplemental policies (cancer, hospital, accident, etc.)

Q: Is there a fee to work with an insurance agent?
A: No—our services are completely free for you. As licensed agents, we get paid by the carriers, so we can help you compare plans, understand your options, and enroll at no cost.

Q: When can I sign up for a Marketplace plan?
A: The Open Enrollment Period runs November 1 – January 15 each year. To get coverage effective January 1, you must enroll by December 15.

Q: How do I qualify for a Special Enrollment Period (SEP)?
A: You may be eligible for an SEP if you’ve had a qualifying event, such as:

• Losing your existing coverage
• Moving to a new service area
• Getting married or having a baby
• Major income changes

Q: Can I get a $0/month health plan?
A: Depending on your household size and income, you could qualify for reduced-cost or even $0-premium plans. We’ll check your eligibility and help you enroll in the best option for your budget.

Q: When does Medicare Open Enrollment start and end?
A: The Annual Enrollment Period (AEP) runs October 15 – December 7 each year, during which you can enroll in or switch Medicare Advantage and Part D (drug) plans.

Q: When should I enroll in Medicare if I’m turning 65?
A: You can sign up starting three months before your 65th birthday month, through your birthday month, and for three months after—a total seven-month window. We recommend doing it early to avoid any gaps or penalties.

Q: What’s better: Medicare Advantage or Medigap?
A:  See below for descriptions of each type of coverage:

• Medicare Advantage (Part C) bundles Part A, Part B, and usually Part D, plus extras like dental/vision.
• Medigap (Supplement) works with Original Medicare to help cover copays and deductibles, and offers wider provider access.

We’ll run side-by-side comparisons so you can choose what fits your needs.

Q: What is the difference between term life and whole life insurance?
A: See below to compare coverage options:

• Term Life: Affordable, fixed coverage for a set period (10, 20, 30 years).
• Whole Life: Permanent coverage with a cash-value component that grows over time.

We also offer final-expense policies designed to cover funeral and end-of-life costs.

Q: How much does life insurance cost for someone my age?
A: Rates depend on your age, health, lifestyle, and coverage amount. Many clients are surprised at how affordable it is—even for whole life. We’ll get you custom quotes—again, at no cost to you.

Q: Do I really need life insurance?
A: Life insurance can help your family cover funeral expenses, replace lost income, pay off debts, or leave an inheritance. It’s a key tool in financial and estate planning.

Q: Can my small business get group health insurance?
A: Yes. We work with companies as small as two full-time employees to set up group medical, dental, vision, and life plans. We’ll compare carriers to find the best fit for your team and budget.

Q: What paperwork do I need to offer group coverage?
A: Typically, you’ll need basic employee census data (name, hire date, hours, salary) and your chosen plan design. We handle the rest of the enrollment paperwork and setup.

Q: Can I buy dental or vision insurance on its own?
A: Absolutely—you don’t need medical coverage to get dental or vision benefits. We offer standalone plans for individuals, families, and Medicare enrollees.

Q: What does a typical dental plan cover?
A: Most plans include:

• 100% preventive care (cleanings, X-rays)
• 80% basic care after waiting period (fillings)
• 50% major services (crowns, bridges)

Annual maximums and waiting periods vary by carrier.

Q: Are eye exams, glasses, and contacts covered?
A: Yes—vision plans usually cover one annual exam plus a frame and lens allowance or contact-lens benefit. Some even offer discounts on LASIK.