FAQ

frequently asked questions

You can learn more from our asked questions

Basic Concepts of Health Insurance

What is a Deductible?

The amount you pay out-of-pocket before your insurance starts covering costs.

What is a Copayment?

A fixed amount you pay for a medical service (e.g., $20 for a doctor's visit).

What is Coinsurance?

The percentage you pay after meeting your deductible (e.g., you pay 20%, insurance pays 80%).

What is Obamacare (ACA) and Who Qualifies?

Health Insurance Marketplace offering: Available to all legal U.S residentes Income-based subsidies. Guaranteed essential coverage

What are Supplemental Plans

Additional policies covering: Accidents Critical illnesses (Cancer, Heart Disease, Stroke) Hospitalization Dental/VIsion/Hearing Provides direct payments to policyholders, not to healthcare providers

What is Medicare and Who Qualifies?

Federal program for: Individuals 65+ Approved disabled, individuals those with permanent kidney failure

What is Medicaid and Who Qualifies?

Free or low-cost coverage for: Low-income individuals Pregnant women Children Some disabled individuals *Eligibility varies by state and income level

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