Frequently Asked Questions

Life insurance provides financial protection for your loved ones in case of your death. It helps cover funeral expenses, debts, and living costs for your beneficiaries, ensuring they are financially supported when you are no longer around.

Medicare Advantage (Part C) is an alternative to traditional Medicare, offered by private insurance companies. It combines coverage from Part A (hospital insurance), Part B (medical insurance), and often Part D (prescription drug coverage). Many Medicare Advantage plans also offer extra benefits like dental, vision, and hearing coverage.

While some health insurance plans include basic dental and vision coverage, many people prefer standalone dental and vision plans for more comprehensive coverage. These plans cover routine check-ups, treatments, and vision aids like glasses or contacts.

Choosing the right health insurance plan depends on your healthcare needs, budget, and whether you have specific medical conditions. We offer a variety of plans and can help you assess your situation to find a plan that works best for you.

Yes, you can change your Medicare Advantage plan during the Annual Enrollment Period (AEP) from October 15 to December 7 each year. Additionally, you can make changes during the Medicare Advantage Open Enrollment Period, which runs from January 1 to March 31.

Medicare is the federal health insurance program primarily for people aged 65 and older, or those with certain disabilities. Medicare Advantage is a private insurance plan that includes the same benefits as Medicare (Parts A & B), but may offer additional services like dental, vision, and hearing coverage.

You generally qualify for Medicare when you turn 65 or if you’ve been receiving Social Security Disability Insurance (SSDI) for 24 months. There are different enrollment periods, and the application process can vary depending on your situation.

Standalone dental and vision coverage ensures you receive the preventive care and treatments you need for your eyes and teeth, which can reduce your out-of-pocket expenses for regular exams, corrective lenses, fillings, cleanings, and more. These plans offer added peace of mind by keeping your vision and oral health in check.

Health insurance typically doesn't cover routine vision or dental care, such as annual eye exams, teeth cleanings, or orthodontics. For that, you may need a standalone vision or dental plan, or check if your health plan offers any limited coverage for these services.

Term life insurance provides coverage for a specific period (usually 10, 20, or 30 years) and pays a death benefit only if the policyholder passes away during the term. Whole life insurance, on the other hand, offers lifetime coverage and includes a cash value component that grows over time.

Medicare Part D is a prescription drug plan that covers prescription medications. These plans are offered by private insurance companies and can be added to Original Medicare (Part A and B) or included in a Medicare Advantage plan (Part C).

To save on premiums, consider choosing a high-deductible health plan (HDHP), exploring government subsidies (if eligible), or combining health insurance with Health Savings Accounts (HSAs). We also offer a range of affordable plans based on your specific needs and budget.

Not having health insurance can lead to higher out-of-pocket costs for medical treatment, and in some cases, it may leave you unprotected from large, unexpected medical expenses. Additionally, under the Affordable Care Act, you may face penalties for not having coverage, depending on your state.

Yes! As a self-employed individual, you can explore marketplace plans, private health insurance options, or group insurance if you are part of a professional association. Many plans are designed specifically for individuals and families who do not have employer-sponsored coverage.