Frequently Asked Questions

Private health insurance plans, as opposed to Obamacare, aren’t required to follow the same standards as the Affordable Care Act, which in many cases leads to more affordable rates and a broader access to doctors and hospitals.

There are four different network types, but the two most popular are HMOs and PPO. An HMO, or Health Maintenance Organization, is more restricted and requires you to go to doctors and hospitals that are within network. They also require you to get referrals to see specialists.

A PPO, Preferred Provider Organization, on the other hand, allows you to visit any doctor or hospital nationwide without referrals.

Yes! You can either qualify for discounted rates based on your health status, or your income. We will do an in-depth analysis to find out which type of discount is right for you.

You can certainly view quotes to some companies online- however, you’re limiting the options you’re able to view and most likely, working with an agent will put you in the best position to find the right plan.