Most Common Questions About Health Insurance

What is the best type of coverage for traveling professionals?

Preferred Provider Organization(PPO) plans provide nationwide coverage and availability in each state. These are the best plans for traveling professionals because you will never be out of network. 

What is deductible?

A deductible is the amount you pay for health care services before your insurance begins to pay. 

What is the difference between PPO's and HMO's?

PPO plans allow you to choose any physician you wish along with nationwide coverage. Health Maintenance Organizations (HMOs) have smaller networks, restrict you to local coverage, and require referrals for specialists visits.

I am loosing my employer coverage. What should I do?

By law, you will be offered COBRA short term insurance that acts as a continuation of your current plan.

What does Max Out Of Pocket mean?

MOP is the limit on the amount of money you have to pay for covered health care services in a plan year. If you meet that limit, your health plan will pay 100% of all covered health care costs for the rest of the plan year. Some health insurance plans call this an out-of-pocket limit.

I have COBRA and it's too expensive. Can I drop it during Open Enrollment and enroll in Marketplace instead?

During Open Enrollment, you can sign up for a marketplace plan even if you already have COBRA. You will have to drop your COBRA coverage effective on the date your new Marketplace plan coverage begins.

What is Marketplace?

The Federal Health Insurance Marketplace, which is also called the "Marketplace", is the website where individuals can compare and purchase various health care plans available under the Affordable Care Act. 

Travel Insurance

Travel insurance is a type of insurance that is designed to provide coverage and financial protection for travelers when unexpected events or emergencies occur during their trips. It is meant to offer peace of mind and assistance in various situations while traveling.

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How does the Marketplace Tax Credit Work?

Marketplace Tax Credits are discounts you might qualify for based on projected annual income. It is applied monthly to your insurance premiums and recalculated when you file income taxes. 

What is my Copay?

Your Copay is a fixed amount for health care visits that is not subject to the deductible.

How do I select a plan?

Enlisting the help of a health insurance experts is the safest and fastest way to navigate the market. Having a professional to do the work for you saves the frustration of endless spam calls and ensures that you'll be presented with all available options. 

Is there still penalty for being uninsured?

Although the IRS is not penalize people who are uninsured in 2019 and beyond, states still have the option to do so. A handful of states have their own individual mandates and penalties for non-compliance: 


District Of Columbia 

New Jersey 


Rhode Island

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