Coverage for Your Family, a Move, or a Big Procedure
What’s the right health insurance for families?
We help families compare plans with low copays, family deductibles, pediatric coverage, and prescription options that fit all members’ needs.
Can I keep my plan if I move to another state?
In most cases, no. Plans are tied to state networks. We help you re-enroll in a new plan after you move to avoid gaps in coverage.
What is the Federal Poverty Level (FPL) and why does it matter?
Your income relative to the FPL determines your eligibility for subsidies, Medicaid, or cost-sharing reductions. We calculate this for you during quotes.
Do you offer bilingual enrollment services?
Yes. We offer bilingual assistance in English and Spanish to help all clients understand coverage options and complete their applications correctly.
Are immunizations and child wellness visits covered?
Yes. All ACA-compliant plans include preventive pediatric care, such as immunizations, developmental screenings, and well-child visits at no cost.
What if I need surgery?
We help you choose plans that offer low out-of-pocket costs for surgery, including covered hospitals, specialists, and inpatient care.
Do plans cover mental health counseling?
Yes. Behavioral and mental health services, including therapy and substance abuse treatment, are covered as essential benefits.
What is COBRA coverage?
COBRA allows you to temporarily keep your employer’s health plan after leaving a job, though it’s usually more expensive. We help compare alternatives.
Can I get insurance between jobs?
Yes. You may qualify for short-term insurance, Medicaid, or ACA coverage through a Special Enrollment Period. We help bridge the gap.
Do self-employed people get tax benefits for health insurance?
Yes. Health insurance premiums for the self-employed are often tax-deductible. We help you understand how the deduction works.
What does an HSA-eligible plan mean?
An HSA-eligible plan is a high-deductible health plan (HDHP) that lets you contribute to a Health Savings Account. Funds roll over and are tax-free when used for medical expenses.
What is an Explanation of Benefits (EOB)?
An EOB is a statement from your insurer showing what they paid, what you owe, and why. It’s not a bill. We help you understand it line-by-line.
Can my plan be canceled?
Yes, if you don’t pay premiums or provide required information. We help you maintain eligibility and avoid involuntary termination.
What’s the difference between PPO, HMO, and EPO?
PPO: Flexible, out-of-network allowed
HMO: Lowest cost, referrals needed
EPO: No referrals, in-network only
We help match you to the type that fits.
Are out-of-network services ever covered?
Yes, some PPO and POS plans allow out-of-network coverage with higher cost-sharing. We clarify what’s reimbursed and what’s not.
Do plans include substance abuse treatment?
Yes. All ACA plans include coverage for drug and alcohol treatment, including detox, rehab, and counseling services.
Can I pay for my insurance with a Health Reimbursement Arrangement (HRA)?
If your employer offers an ICHRA or QSEHRA, you may use it to pay premiums or out-of-pocket costs. We assist with plan selection that works with HRAs.
How much does health insurance typically cost?
Costs vary based on age, location, income, family size, and type of plan. We provide free personalized quotes that show premiums and estimated subsidies for your situation.
Can small businesses offer group health plans?
Yes. We help small businesses in all states with 1 to 100+ employees set up group health insurance for employees, including tax-credit eligible options.
What if my dependent turns 26?
When a child turns 26, they lose dependent coverage and qualify for a Special Enrollment Period. We help them get their own individual plan.
Creative Health Solutions