Insurance FAQs

Self-employed individuals may have access to private health coverage options designed for individuals and families. Available options depend on factors such as your location, health, budget, and coverage needs. We can help you explore your options and understand how the benefits work.

Not necessarily. Certain private and supplemental health coverage options may be available year-round, even outside the Marketplace Open Enrollment period. Eligibility requirements vary depending on the type of coverage.

Some private health coverage options use medical underwriting, which means you may be asked questions about your health history. We can explain the qualification requirements before you apply.

Yes, depending on eligibility and availability, there may be coverage options for individuals, couples, and families. We can help you explore options based on your household's needs.

It depends on the coverage you select. Some options provide access to broad provider networks, while others may allow you to use providers outside the network. We'll help you understand your provider options before enrolling.

A PPO network consists of doctors, hospitals, and other healthcare providers that have agreed to negotiated rates. Using participating providers may help reduce your healthcare costs, depending on your coverage.

Yes. Certain health coverage options provide specified benefits without requiring you to satisfy a traditional calendar-year deductible first. Benefits, limitations, exclusions, and other terms vary by coverage.

Depending on the coverage selected, benefits may be available for services such as doctor visits, laboratory testing, diagnostic services, and prescription medications. We'll explain exactly what is and isn't included before you enroll.

Certain coverage options provide benefits for covered accidents, illnesses, or specified medical conditions. Benefit amounts, deductibles, waiting periods, limitations, and exclusions depend on the coverage selected.

Not always. Private, supplemental, specified-benefit, and Marketplace coverage can operate differently. We help explain those differences so you can understand what you're considering before making a decision.

Some individually owned coverage is portable, meaning it isn't tied directly to an employer. Whether you can maintain your particular coverage depends on its terms, your location, and other eligibility requirements.

Yes. Dental and vision coverage may be available alongside other health coverage options. Availability and benefits vary depending on the coverage selected.

Depending on availability, supplemental coverage may provide benefits for covered accidents, critical illnesses, or specified diseases. These products are designed to provide benefits according to the terms of the policy.

There isn't one price for everyone. Costs can vary based on factors such as age, location, coverage level, benefits selected, and applicable eligibility or underwriting requirements. A personalized quote can show what's available based on your situation.

A licensed agent can help you compare available options based on your healthcare needs, budget, family situation, and priorities. Our goal is to explain your choices clearly so you can make an informed decision.

Getting started is simple. Request a personalized quote and a licensed agent can discuss your needs, explain available options, and answer your questions before you make a decision.