Frequently Asked Questions

We offer a variety of health insurance plans to meet different needs and budgets, including:

• Individual and Family Plans
• Employer Group Health Plans
• Medicare Advantage and Supplement Plans
• Short-term Health Insurance
• Dental and Vision Plans

Each plan has different coverage options, deductibles, and premium costs. We'll work with you to find the plan that best fits your healthcare needs and financial situation.

The Annual Open Enrollment Period for individual health insurance typically runs from November 1 to January 15 each year. During this time, you can:

• Enroll in a health insurance plan for the first time
• Change your existing health insurance plan
• Update your coverage based on life changes

Outside of Open Enrollment, you may qualify for a Special Enrollment Period if you experience certain life events such as marriage, birth of a child, loss of other coverage, or a permanent move.

HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) plans are two common types of health insurance networks:

HMO Plans:

• Require you to choose a Primary Care Physician (PCP)
• Typically require referrals from your PCP to see specialists
• Generally have lower premiums and out-of-pocket costs
• Coverage is limited to in-network providers (except emergencies)

PPO Plans:

• Allow you to see any provider without a referral
• Offer coverage for both in-network and out-of-network care
• Typically have higher premiums but more flexibility
• You pay less when using in-network providers

When selecting a health insurance plan, consider these important factors:

• Premium: The monthly cost of your insurance
• Deductible: The amount you pay out-of-pocket before your insurance begins to pay
• Copayments and Coinsurance: Your share of costs for services after meeting your deductible
• Out-of-Pocket Maximum: The most you'll pay in a year for covered services
• Provider Network: Whether your preferred doctors and hospitals are in-network
• Prescription Drug Coverage: How your medications are covered
• Additional Benefits: Dental, vision, mental health, and other specialized services

We can help you evaluate these factors based on your health needs and budget.

Whether you can keep your current doctor depends on the insurance plan you choose and its provider network.

Before enrolling in a new plan, we recommend:

• Checking the plan's provider directory to confirm your doctor is included
• Contacting your doctor's office directly to verify which insurance plans they accept
• Considering whether you're willing to change doctors if necessary

If maintaining your relationship with specific healthcare providers is important to you, we can help identify plans that include them in their networks.