Can I get health insurance as a seasonal worker?

Yes. We help seasonal workers enroll in ACA or short-term plans during Open Enrollment or after qualifying events like job loss or relocation.

Are holistic or alternative medicine services covered?

Some plans cover chiropractic care, acupuncture, or naturopathy if deemed medically necessary. We help you compare benefits for alternative therapies.

What is a Special Enrollment Period?

A Special Enrollment Period allows you to get insurance outside of Open Enrollment if you experience a qualifying life event, like moving, losing coverage, or having a child.

Do I need to provide income proof for subsidies?

Yes. You may need to submit income documents to verify your eligibility for premium tax credits. We help you prepare and upload accurate records.

Can my employer reimburse me for individual insurance?

Yes. Programs like ICHRA and QSEHRA allow employers to reimburse individual health insurance premiums tax-free. We help you find plans that qualify.

What happens if I don’t pay my health insurance premium?

You enter a grace period (usually 30 days). If not paid, your policy may be canceled. We help set up reminders and autopay to keep your coverage.

What is a catastrophic plan and who qualifies?

Catastrophic plans offer low premiums and high deductibles. They're available to people under 30 or those with a hardship exemption.

Are lab tests and diagnostics covered?

Yes. Most plans include lab work, X-rays, and diagnostic imaging as part of essential benefits. We confirm what your plan covers.

Can I enroll if I recently divorced?

Yes. Divorce is a qualifying event for a Special Enrollment Period. We help you enroll in a new plan promptly.

Is hospice care covered?

Yes. Most ACA and Medicare plans cover hospice and end-of-life care. We help families confirm the services and coverage limits.

Do health plans cover home health care?

Yes. Some plans cover skilled nursing, home-based physical therapy, and home health aides. We evaluate if this is included in your policy.

What’s the difference between in-network and out-of-network?

In-network services cost less because providers have contracted rates. Out-of-network services may cost more or not be covered at all.

Do you assist with documentation uploads?

Yes. We assist with submitting required documents like income verification, ID, and immigration status to avoid coverage delays.

How are subsidies paid to my insurance?

Subsidies are sent directly to your insurance company and applied to your monthly premium, reducing what you pay out of pocket.

Can I keep my plan if I retire early?

Yes. We help early retirees find ACA or COBRA plans to maintain coverage until Medicare eligibility at age 65.

Are dependents covered in all plans?

Yes. Family plans allow you to include a spouse and children. We help configure the right plan to maximize coverage and savings.

What is a network adequacy review?

It checks whether a plan has enough in-network providers near you. We make sure your plan gives you timely access to doctors and specialists.

Do plans cover hearing aids or exams?

Most ACA plans don’t, but some Medicare Advantage or private plans offer hearing benefits. We help you explore these options.

What is minimum essential coverage?

Minimum essential coverage meets ACA standards for avoiding penalties in some states and ensures basic preventive services are included.

Can I add a new baby to my plan?

Yes. Birth qualifies for a Special Enrollment Period. Newborns must be added within 30-60 days. We handle the process for you.

FAQ 9 — Creative Health Solutions

Yes. If you don’t qualify for employer coverage, we can help you find short-term or ACA plans during Open Enrollment or via a Special Enrollment Period.

Some plans cover chiropractic, acupuncture, or naturopathy if medically necessary. We check each plan’s benefits for alternative therapies.

A Special Enrollment Period (SEP) lets you enroll in health insurance outside of Open Enrollment if you’ve had a qualifying life event, like moving or losing coverage.

Yes. The marketplace may require proof of income to validate your subsidy eligibility. We help you submit proper documentation to avoid delays.

Yes, through ICHRA or QSEHRA, employers can reimburse tax-free for individual health premiums. We help align your plan with these programs.

You’ll enter a grace period, usually 30 days. If payment isn’t made, your plan may be canceled. We help avoid this by setting up auto-pay and reminders.

Catastrophic plans are low-cost, high-deductible policies for those under 30 or with hardship exemptions. We explain eligibility and coverage limits.

Yes. Most plans cover labs, imaging, and diagnostics when ordered by an in-network provider. We confirm exact coverage and copays.

Yes. Divorce is a qualifying life event, triggering a Special Enrollment Period. We help find new coverage for you and your dependents.

Yes. Hospice and end-of-life care are covered under ACA-compliant and Medicare plans. We help families confirm this during difficult times.

Some plans offer in-home care, physical therapy, or skilled nursing for certain medical needs. We evaluate these benefits for you.

In-network: Lower cost, contracted rates
Out-of-network: Higher cost, limited coverage
We ensure your preferred providers are in-network.

Yes. We help you upload ID, income, immigration, or tax forms required by healthcare.gov or private insurers to prevent coverage delays.

They are applied directly to your monthly premium, reducing what you pay out of pocket. We handle the application to secure these savings.

Yes. We help early retirees bridge the gap with ACA or COBRA plans until they’re eligible for Medicare at 65.

Yes. You can include children and spouses on family plans. We help determine the best family-tier structure for cost savings.

It ensures that your insurance plan has sufficient in-network providers near you. We help verify this so you get timely access to care.

Most ACA plans do not, but Medicare Advantage and supplemental policies may include hearing exams, devices, or discounts. We verify your options.

It’s the standard of insurance required under the ACA to avoid penalties in some states. We ensure your plan meets MEC standards.

Yes. Birth triggers a Special Enrollment Period, and newborns must be added within 30–60 days. We help file the request and update your plan.

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