Is the "open enrollment" period the only time I can set up private insurance?
That applies to ACA/Obamacare, some government plans and some employer plans only. Private insurance is available throughout the year!
I see you're in Arizona. Can you help me if I live in another state?
Yes! As long as I am licensed in your state (currently licensed in many across the country). The consultations are done virtually. Please check States We Serve for more info.
How costly is private insurance?
It's actually more affordable than you might expect! Speaking from my experience, I switched to private insurance and saved a whopping $2,664 for just that year!
What are the key differences between ACA/Obamacare, Employer plans, and Private insurance?
• ACA/Obamacare offers comprehensive coverage without pre-existing condition denials. It's budget-friendly with government subsidies, but without them, it tends to be more expensive compared to other plans.
• Employer plans are fantastic for employees. However, once you add family members like a spouse or kids, the premium shoots up. The benefits are employee-centered, and family additions pay the full price.
• Private insurance is health-based, and there's an application process. Being healthy gives you preferred rates, making it a cheaper option with superior coverage.
Are these contracts for a whole year?
Nope, there's no mandatory length of time. You keep the plan as long as you need it.
Will these plans cover me wherever I go?
Absolutely! Nationwide coverage, whether you're on or off the job, especially when choosing a PPO. These PPO plans give you the flexibility to access coverage beyond your zip code or county.
Is there a fee for your assistance?
No fee at all! I'm here to assist you with a smile.
What determines insurance prices?
All plans consider your age and where you live. Public Marketplace plans (ACA/Obamacare) also consider income, while private plans may factor in health conditions.
In what situations can coverage be made more affordable?
Generally, to make coverage cheaper, you'd need to either reduce benefits or reverse aging. Unfortunately, I don't possess that superpower! There are however, programs we can find for you, if you qualify.
Do you offer other insurance plans as well?
Absolutely! There's also Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, and Income Protection (aka Short-term disability). I've got access to everything, so I'm more than happy to steer you in the right direction if you're looking for something specific!
What makes you different from other agents or brokers?
I come with the plan we choose. In other words, I work for you, NOT the insurance companies. I take great pride in providing world-class customer service and that’s one reason why clients give me 5-star reviews and referrals.
I’m not self-employed or 1099. Can you still help me?
Absolutely! Self-employed business owners love our plans because they are customized for their needs but we can help W2, retired or basically anyone.
What’s the best way to get a hold of you?
All my clients have my personal cell phone. The best way for us to connect initially is to book a time at your convenience. We do a brief screen-share where I have plan options pulled up and we can go over them and your situation. You can do so here.
