WHAT TYPES OF NETWORKS ARE THERE?

• Exclusive Provider Organization (EPO): A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plan’s network (except in an emergency).

• Health Maintenance Organization (HMO): A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage.

• Point of Service (POS): A type of plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans require you to get a referral from your primary care doctor in order to see a specialist.

• Preferred Provider Organization (PPO): A type of health plan that is typically accepted nationwide and where you pay less if you use providers in the plan’s network. You can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.

WHAT IS A HEALTH INSURANCE PREMIUM?

• Your premium is the amount you pay for your health insurance every month. The premium gives you access to the plan; you may still have to pay deductibles, copays, and/or coinsurance.

WHAT DOES A DEDUCTIBLE MEAN?

• Your deductible is the amount you pay for health care out of pocket before your health insurance kicks in and starts covering the costs. Depending on your plan, you may have copays, or first dollar benefits that are available before you reach your deductible.

WHAT IS A COPAY?

• A copay is a flat fee that you pay when you receive specific health care services, such as a doctor visit or getting prescription medications. Your copay (also called a copayment) will vary depending on the service you receive and your health insurance plan.

WHAT IS AN OUT OF POCKET MAX? OOP

• It is the limit or cap, on the amount of money you have to pay for covered health care services in a plan year. If you meet that limit, your health plan will pay 100% of all covered health care costs for the rest of the plan year.

DO I ONLY HAVE THE “OPEN ENROLLMENT” TIME PERIOD TO BE ABLE TO SET UP PRIVATE INSURANCE?

• That is only for ACA/Obamacare and government plans. Private insurance is available year-round.

IS PRIVATE INSURANCE EXPENSIVE?

• Private insurance are health-based, so there is an application process because not everyone may qualify based on health. Because you're healthy, you're getting a preferred rate so it is generally more affordable than most plans with BETTER coverage.

ARE PRIVATE/PUBLIC PLANS YEAR LONG CONTRACTS?

• No required length of time–you have the plan because you need it.

DO I PAY A FEE FOR YOUR SERVICES?

• NO FEE! There are no extra fees on top of your health insurance premiums, you will pay the same regardless if we help you or not. We’re happy to help!

WHY SHOULD I WORK WITH YOU?

• Simply put, we care about you and every single client we come across. We take the time to analyze your needs, we have access to more plans than your typical broker, tailored plans for your situation, explain coverage details, and assist the onboarding/application process. We will stay in communication and we’ll be there for any questions you may have. Your own personalized agent in your corner at all times.

• We guarantee you’ll save time, be more educated, and have a better plan by the time we’re done talking.