FREQUENTLY ASKED QUESTIONS

  • We offer a full range of health insurance plans including individual, family, Medicare Advantage, Medigap supplements, and small business group health plans. We help you compare ACA Marketplace options, private insurance, and Medicare coverage based on your unique needs.

  • If your income falls within a certain range, you may qualify for a health insurance subsidy under the Affordable Care Act (ACA). We offer free subsidy checks and will help you determine if you’re eligible for lower monthly premiums and reduced out-of-pocket costs.

    • HMO plans: Require referrals and offer lower costs with a limited network.

    • PPO plans: Provide more provider flexibility but often come with higher premiums.

    We’ll help you compare PPO vs HMO options and choose the right one based on your healthcare habits and budget.

  • Yes! We specialize in Medicare Advantage, Medigap (Supplement), and Part D prescription drug plans. If you're turning 65 or already enrolled in Medicare, we’ll help you navigate your options and ensure you're not overpaying for coverage.

  • No, our help is completely free. As licensed brokers, we’re paid by the insurance companies—so you get expert advice at no cost to you.

  • Enrollment can be quick—most clients are enrolled within 24–72 hours. If you're applying during open enrollment or qualify for a special enrollment period, we’ll guide you through the timeline step-by-step.

  • Yes, if you’ve experienced a qualifying life event (like losing coverage, moving, marriage, or birth of a child), you may qualify for a special enrollment period. We’ll confirm your eligibility and help you apply.

  • We specialize in helping freelancers, gig workers, and self-employed individuals find affordable coverage through the ACA marketplace or private options. We’ll also help determine if you can deduct your premiums.

  • Yes, we offer standalone dental and vision insurance as well as plans that bundle these benefits with your health coverage.

  • We’re conveniently located at:
    1874 Capital Dr SE, Palm Bay, FL 32909
    Call us at (321) 872-4940 or schedule a consultation.

  • The best plan depends on your family's size, income, and medical needs. We compare ACA marketplace plans, private options, and family deductibles to help you find the most affordable and comprehensive solution.

  • Short-term health insurance provides temporary coverage for gaps between jobs or outside open enrollment. While they’re often cheaper, they don’t cover pre-existing conditions or preventive care. We'll explain if this is a good fit for you.

  • Yes. If you’re retiring before 65, we help you bridge the gap with early retirement health insurance options, including ACA plans or private coverage until you’re eligible for Medicare.

  • Yes, zero-deductible health plans are available but may come with higher premiums. We help you compare plans so you understand total costs, not just the deductible.

  • To apply, you'll typically need:

    • Proof of identity (ID or driver’s license)

    • Proof of income (pay stub or tax return)

    • Social Security numbers for all applicants
      We’ll walk you through everything to make enrollment easy.

  • Most health plans don’t include dental automatically, but we offer affordable dental insurance add-ons. Some family plans include pediatric dental under ACA rules.

  • Yes! Many modern plans include telehealth visits, virtual urgent care, and mental health services. We’ll help you choose a plan that includes the digital care you need.

  • Moving to Florida qualifies you for a special enrollment period. We’ll help you cancel your out-of-state policy and enroll in a new plan in Palm Bay or Melbourne.

  • Yes, under the ACA, all major medical plans must cover pre-existing conditions. We’ll help ensure you're protected and not overpaying.

  • We compare plans for you—free of charge—based on:

    • Premiums

    • Deductibles

    • Copays & coinsurance

    • Provider networks

    • Prescription coverage