Q: How do I know which health plan is right for me?
A: I help you compare plans based on your budget, doctors, prescriptions, and health needs to find the best fit.
Q: Can I keep my current doctor?
A: That depends on the plan’s network. I’ll check if your doctor is in-network before you enroll.
Q: What’s the difference between a deductible, copay, and coinsurance?
A: A deductible is what you pay before insurance starts covering costs. A copay is a set fee for visits. Coinsurance is the percentage you pay after the deductible is met.
Q: What does vision insurance typically cover?
A: Most plans cover annual eye exams and provide allowances for glasses or contact lenses.
Q: What is disability insurance and why do I need it?
A: It helps replace your income if you can’t work due to illness or injury—so your bills are still covered even if your paycheck isn’t coming in.
Q: Is there a waiting period before I can use my dental insurance?
A: Some plans have waiting periods for major procedures — I’ll make sure you know upfront.