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Frequently Asked Questions

Insurance premiums, generally speaking, are based upon your age, where you live, and if you use tobacco. Other factors may also impact your premium, depending on the specific insurance.

Obamacare is one nickname for the Patient Protection and Affordable Care Act (PPACA), which was signed into law by President Obama on March 23, 2010. All new health insurance that is considered credible must follow all rules established since March 23, 2010.

Open enrollment for Medicare beneficiaries is October 15 through December 7th. For 2018, non Medicare open enrollment is November 1 through December 15th. Otherwise, enrollments can only be done within 30 or 60 days of a qualifying Special Enrollment Period (SEP).

The penalty for 2017 is 2 ½ % of household income, per person.

We would love for you to come into our office so we can meet with you face to face. But if that doesn’t work for you, we would be glad to help you enroll for your insurance through a phone call, email or even the mail!

Yes! We would be glad to forward any information and links to help you sign up for the best plan for your health and life insurance needs.

We don’t charge for our services. Insurance agents have historically been compensated by insurance companies. As your agent, we can provide valuable services such as enrollment, eligibility questions and understanding your benefits.

If you are on Medicare, you need to notify Social Security. You will be able to keep your Medicare supplement, but you may have to change your Part D or Part C Medicare plan. If you are not on Medicare, relocating to a new county may require you to choose a new plan.

A child can stay on a parent’s policy until age 26 even if he/she is married.

Pediatric dental is required for anyone under the age of 19. People 19 and older have the option of adding dental and vision.

Maybe. Most providers do not accept all insurance plans.

At age 65, or in some cases, after 24 months of Social Security Disability.

A PPO is a group of medical providers who sign agreements with insurance companies to set prices for medical treatment. A HMO is a restricted network of providers.

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