What if my health plan denies coverage for a service?

You have the right to appeal the denial. We help you understand the explanation of benefits and guide you through the appeal process.

How can I find the best plan for pre-existing conditions?

All ACA plans must cover pre-existing conditions. We compare plans to find those with strong prescription coverage, specialist access, and chronic care services.

Do health plans cover urgent care visits?

Yes, most plans cover urgent care with a lower copay than emergency room visits. We help you find local in-network urgent care providers.

What’s the difference between Medicare Advantage and Medigap?

Medicare Advantage combines Medicare into one plan with extra benefits. Medigap supplements Original Medicare by covering out-of-pocket costs. We compare both options for you.

Can I get health insurance if I just moved to Florida?

Yes. Moving qualifies you for a Special Enrollment Period. We help you find and enroll in a plan that fits your new ZIP code and needs.

Can undocumented immigrants get health insurance?

Undocumented immigrants aren't eligible for ACA plans but may qualify for private or short-term insurance. We explain available options.

What is coinsurance vs. a copay?

A copay is a fixed amount per visit, while coinsurance is a percentage of the total cost. We help you compare plans based on both.

Are birth control and women’s health covered?

Yes. ACA-compliant plans cover contraceptives, annual exams, and maternity care as essential services for women.

What happens if I miss Open Enrollment and don’t qualify for special enrollment?

You may have to wait until the next Open Enrollment. Short-term or Medicaid options may help in the meantime. We’ll advise the best approach.

Can you help with vision plans for adults?

Yes. We offer standalone vision plans covering eye exams, glasses, and contacts, whether or not you have a medical plan.

Are prescription delivery services covered?

Most ACA and private plans now include mail-order pharmacy services, which offer 90-day supplies and free shipping.

What is balance billing?

Balance billing occurs when an out-of-network provider bills you the difference not paid by insurance. We help you avoid and resolve these charges.

How do I report suspected insurance fraud?

Report suspected fraud to the Florida Department of Insurance or your insurer. We guide clients through reporting when necessary.

Do insurance plans cover COVID-19 testing and vaccines?

Yes. ACA-compliant plans must cover COVID-19 tests, vaccines, and related treatment, often with no cost to the patient.

What if I turn 26 and lose coverage under my parent’s plan?

Turning 26 triggers a Special Enrollment Period. We help you find your own ACA or private plan with affordable coverage.

Are there health insurance plans for cancer patients?

Yes. We help cancer patients find plans that cover chemotherapy, radiation, oncology care, and follow-up medications.

What’s the best health plan for freelancers?

Freelancers benefit from flexible ACA or private plans with low out-of-pocket limits. We also explore HSA-eligible options for tax savings.

Do plans cover rehabilitation and physical therapy?

Yes. Most plans cover PT, OT, and rehab as essential services. We help verify the number of sessions and coverage limits.

What are your hours of operation?

We’re open Monday through Friday, 9:00 AM to 5:00 PM EST. You can also contact us online 24/7 for questions or quotes.

Can I get same-day health insurance coverage?

Yes. If you qualify for special enrollment or choose short-term insurance, coverage can often start the same day you apply.

FAQ 7 — Creative Health Solutions

You have the right to appeal the decision. We help you understand the denial letter and file an internal or external appeal to request a review.

All ACA plans must cover pre-existing conditions without charging more. We compare plans for drug coverage, specialist access, and chronic care.

Yes, most plans cover urgent care visits at lower copays than ER visits. We help you find plans with convenient local urgent care options.

Medicare Advantage combines Medicare into one plan with extra benefits, while Medigap supplements Original Medicare to cover out-of-pocket costs. We compare both.

Yes. Moving to a new ZIP code is a qualifying life event that allows you to enroll in a new plan through a Special Enrollment Period.

Undocumented immigrants are not eligible for ACA plans but can purchase private health plans or short-term medical insurance. We explain available options.

Copay: Fixed fee per service (e.g., $30 for a visit)
Coinsurance: You pay a percentage of the service cost (e.g., 20%)

Yes. ACA-compliant plans cover contraceptives, wellness visits, and maternity care as part of essential benefits for women.

You may have to wait until the next Open Enrollment unless you qualify for Medicaid or buy a short-term plan to fill the gap.

Yes. We offer standalone vision insurance for eye exams, glasses, and contacts. These can be added to or bought separate from health plans.

Many plans now include mail-order pharmacy services, which allow you to receive 90-day prescriptions with free shipping. We confirm availability.

Balance billing happens when an out-of-network provider bills you for the difference between what they charge and what your insurer pays. We help you avoid it.

You can report suspected fraud to the Florida Department of Insurance or your health insurance company. We guide you through the process if needed.

Yes. ACA-compliant plans are required to cover COVID-19 testing, vaccines, and treatment, often at no out-of-pocket cost.

Turning 26 qualifies you for a Special Enrollment Period. We help you get your own ACA plan with or without subsidies.

Yes. We help individuals with cancer find plans that cover oncology care, prescriptions, specialists, and cancer treatment centers.

We recommend ACA or private plans with flexibility and low out-of-pocket maxes. HSAs are also a good fit for self-employed individuals.

Yes. Most ACA plans include rehab, PT, and occupational therapy under essential health benefits. We confirm exact coverage amounts.

Our licensed agents are available Monday–Friday, 9:00 AM–5:00 PM EST. You can also contact us online 24/7 for quotes or questions.

Yes. If you qualify for a Special Enrollment Period or short-term coverage, same-day activation is possible. We expedite the application.

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