Frequently Asked Questions
Do you offer free consultations to new customers?
Yes, of course! You will never have to pay a consulting fee, or anything at all for that matter, unless you decide to purchase a policy. My knowledge and advice is given freely.
How much will my health insurance plan cost?
This really depends on your personal situation and budget. Factors that can change the cost of your plan include: age, weight, tobacco use, dependents on your taxes, and marital status. This is why I always gather some initial information before offering any type of quote; since the plans I offer are customized to the individual, prices can vary greatly!
Why do I need to buy health insurance? Can't I just pay for doctor's and dentist's visits as I go?
You absolutely can pay for doctor's and dentist's visits as you go; in fact, I actually recommend this to many people, as it can end up being a much more cost-effective option if you only go once or twice a year. However, large out-of-pocket costs come from things that you can never predict, such as cancer, heart attacks, strokes, renal failure, and accidents. If -- God forbid -- someone ends up needing an ambulance, procedure, overnight stay in a hospital, or even an emergency surgery, I want to know that they are covered for this.
Why can't I just go online and buy a plan?
Feel free to go online and find something that fits your budget! Please just keep in mind that, if you do this, it is highly likely that your plan will not cover everything you will need it to. I have gone over many generic, cookie-cutter plans with people and -- in the process -- I have found a lot of holes in coverage that people really need. This is why I supplement policies and fill in the gaps so my clients do not have huge out-of-pocket costs and can afford to get essential healthcare.
It's not Open Enrollment, but I need health insurance -- what do I do?
Don't panic! For most of the plans I work with, there is no open enrollment period, nor are there any network restrictions. Start by reaching out to me directly through the "Request a Consultation" tab. Eligibility may depend on current health status and history.
Do you offer any products for seniors (65+)?
Of course! I am happy to advise on Classic Medicare vs. Medicare Advantage plans, as well as compare costs of Medicare Supplements. I also offer competitively priced Home Healthcare plans to all age ranges -- something that I got my own mom on as soon as I could!