Frequently Asked Questions

There's no cost to you. As an independent agent, I'm paid by insurance carriers through commissions, not by clients. Your quotes and consultations are always free.

Medicare is a federal program for people 65+. ACA (Affordable Care Act) plans are available to any age and sold through the government marketplace with potential subsidies. Private insurance is sold outside the marketplace and typically for younger, employed individuals. I help you understand which option fits your situation.

In most cases, you can only change plans during annual open enrollment or if you qualify for a special enrollment period (life changes like job loss, marriage, or birth). I'll explain your specific situation and help you understand your options and deadlines.

I can provide estimates quickly once I understand your age, location, and coverage needs. For exact quotes and subsidy calculations, it typically takes a few hours to a day depending on the program. There's no obligation to buy—quotes are free.

Yes. I guide you through the entire enrollment process, from initial application to final submission. I make sure your information is accurate and that you're getting any subsidies or discounts you qualify for.

You have my personal phone number. Call me anytime during business hours (8am–6pm, Monday–Friday) if you have questions about your coverage, need to make changes, or have issues with claims.