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Frequently Asked Questions
When is Open Enrollment for Covered California?
Open Enrollment typically runs November 1 through January 31. Special Enrollment Periods are available for qualifying life events such as job loss, marriage, or the birth of a child.
What is the difference between an HMO and a PPO?
An HMO requires you to choose a primary care physician and get referrals for specialists, with lower premiums but network restrictions. A PPO allows you to see any provider without a referral, with more flexibility at a higher premium.
How do I know if I qualify for a health insurance subsidy?
Subsidy eligibility is based on your household income relative to the Federal Poverty Level. Households earning 138%–400% of the FPL typically qualify for premium tax credits. We'll run a free analysis for you.
When should I enroll in Medicare?
Your Initial Enrollment Period runs for 7 months — starting 3 months before your 65th birthday month through 3 months after. Enrolling late can result in permanent premium penalties for Part B and Part D.
What does Medicare not cover?
Original Medicare (Parts A & B) does not cover dental, vision, hearing, long-term care, or most prescription drugs. Medicare Advantage plans often include these benefits, and Medigap fills cost-sharing gaps.
How often can I change my Medicare plan?
The Annual Enrollment Period (October 15–December 7) allows plan changes each year. Certain Special Enrollment Periods may allow mid-year changes in specific circumstances.
How much life insurance do I need?
A common guideline is 10–12x your annual income, but the right amount depends on your debts, dependents, assets, and goals. We'll help you calculate the right coverage during your free consultation.
Do I need a medical exam to get life insurance?
It depends on the policy. Many term policies require an exam. Simplified-issue and guaranteed-issue policies require no exam, though these typically carry higher premiums.
What happens to my life insurance if I change jobs?
Individual life insurance policies are portable — they stay with you regardless of employment status. Employer-provided group life insurance typically ends when you leave, which is why we recommend owning an individual policy.
Still Have Questions?
Our specialists are happy to answer any question — big or small. Reach out today.
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