Frequently Asked Questions
Find answers to the most common questions about our affordable health coverage plans. Can't find what you're looking for? Our licensed agents are here to help.
Find answers to the most common questions about our affordable health coverage plans. Can't find what you're looking for? Our licensed agents are here to help.
We offer real health insurance plans that cover doctor visits, hospital stays, emergency care, pediatric care, prescriptions, preventive care, lab tests, and more — at a fraction of the cost of ACA marketplace plans. Our plans are designed for healthy individuals and families without pre-existing conditions. Pre-existing conditions, maternity, mental health, and substance use treatment are not covered. Our licensed agents work with multiple insurance carriers to find you the best plan at a price you can afford.
Yes, our service is completely free to you. We're compensated by insurance carriers when you enroll in a plan. You'll never pay more for a plan through us than you would going directly to the insurance company.
Yes, all our agents are fully licensed by state insurance departments and undergo regular training. They're qualified to sell health insurance products and provide guidance on coverage options in your state.
Coverage can start as soon as the next day. There is no open enrollment period or waiting period — you can enroll anytime. Just call our licensed agents or fill out a quote form and we'll get you covered fast.
No, our plans are designed for healthy individuals without pre-existing conditions. Pre-existing conditions are not covered under these plans. If you have a pre-existing condition such as diabetes, heart disease, or cancer history, an ACA marketplace plan may be a better fit. Our agents can help you understand your options.
Our plans are real health insurance — they cover doctor visits, emergency care, hospitalization, pediatric care, prescription drugs, lab tests, preventive care, and more. Pre-existing conditions, maternity, mental health, and substance use treatment are not covered, which is why our plans cost so much less than ACA options.
Yes, our plans include prescription drug coverage. Covered medications and copays vary by plan and carrier. Our agents can help you find a plan that covers your specific medications. Learn about prescription coverage.
It depends on whether your doctor is in the plan's network. Before enrolling, we recommend checking the provider directory or asking your doctor's office if they accept the plan. Our agents can help you verify provider availability.
Our affordable health plans cost a fraction of what ACA marketplace plans charge. Your cost depends on your age, location, and coverage level. Call us for a free personalized quote to see how much you can save. Learn about cost structure.
Premium is your monthly payment. Deductible is what you pay before insurance kicks in. Copay is a fixed amount for specific services (like $30 for a doctor visit). Coinsurance is your percentage share after meeting your deductible.
Our plans cost less because they are designed for healthy people without pre-existing conditions. ACA marketplace plans are required to accept everyone regardless of health status, which drives up premiums for all enrollees. Our plans serve a healthier population, which allows carriers to offer much lower rates.
This is the most you'll pay for covered services in a year. Once you reach this limit, insurance pays 100% of covered costs. It's your financial protection against catastrophic medical expenses.
You can enroll anytime — there is no open enrollment period or waiting period. Unlike ACA marketplace plans that restrict enrollment to certain times of year, our plans are available year-round. Coverage can start as soon as the next day.
You'll typically need basic personal information, date of birth, and contact details. The enrollment process is quick and simple — our agents handle the paperwork for you.
Yes, you can change or cancel your plan with notice. Our agents can help you switch to a different plan if your needs change. There are no long-term contracts locking you in.
The enrollment process takes about 15-30 minutes with an agent. We'll help you compare options, answer questions, and complete the application. Coverage start date depends on the plan type and when you enroll.
Speak directly with a licensed agent