Frequently Asked Questions

Working with a licensed, independent advisor means you have an expert navigating the complex insurance market on your behalf. I can compare plans from multiple carriers to find the best fit for your specific budget, doctors, and prescriptions. Plus, you get personalized support year-round if you ever have issues with claims or billing.

No. My services are completely free to you. As an independent agent, I am compensated directly by the insurance companies if you choose to enroll in a plan through me. You pay the exact same premium whether you use my guidance or try to navigate the process alone.

  In Georgia, the standard Open Enrollment Period for individual and family health insurance runs from November 1st through January 15th each year. Enrolling by December 15th typically ensures your coverage begins on January 1st.

  No. Georgia recently transitioned to its own state-based exchange called Georgia Access (GeorgiaAccess.gov). As a licensed agent, I can help you navigate this specific platform to determine if you qualify for premium tax credits (subsidies) that lower your monthly costs.

  Yes, you may qualify for a Special Enrollment Period (SEP) if you have experienced a Qualifying Life Event (QLE) within the last 60 days. 

Common QLEs include:

• Losing employer-sponsored coverage or Medicaid
•  Getting married or divorced
• Having a baby or adopting a child
• Moving to a new zip code or county
• Note: If you do not have a QLE, we can explore Short-Term Health Insurance options to bridge the gap until the next Open Enrollment.

HMO (Health Maintenance Organization): Requires you to use doctors and hospitals within the plan's local network (except in true emergencies) and usually requires a referral from your primary care doctor to see a specialist. 

Term Life: Provides coverage for a specific period (e.g., 10, 20, or 30 years). It is highly affordable and designed to replace your income and cover major debts (like a mortgage) while your family is growing. 

  A general rule of thumb is to carry a policy worth 7 to 10 times your annual income. However, the exact amount depends on your specific financial obligations, including your mortgage balance, your children's future education costs, and any outstanding debts you wouldn't want your family to inherit.

  For adults, standard health insurance plans generally do not cover routine dental care (like cleanings and fillings) or routine vision care (like eye exams and glasses). Under the Affordable Care Act, pediatric dental and vision care are considered essential benefits for children, but adults must purchase separate, standalone policies for coverage.

  It depends on the plan and the service. Preventative care (like cleanings and x-rays) is usually covered immediately. Basic procedures (like fillings) may have a 3- to 6-month waiting period, while major procedures (like crowns, bridges, or root canals) often have a 6- to 12-month waiting period. I can help you find plans with no waiting periods if you need immediate care.

  If you or your family members wear glasses or contacts, vision insurance easily pays for itself. A standard plan covers your annual comprehensive eye exam and provides a generous allowance for frames, lenses, and contacts, significantly lowering your out-of-pocket costs at the eye doctor.