Frequently Asked Questions

❓ Is the consultation really no cost?

Yes. Your consultation is provided at no cost and with no obligation. The goal is to understand your situation, answer your questions, and help you make an informed decision — whether or not you move forward.

❓ Do I have to enroll in a plan during the consultation?

No. There is no pressure to enroll. Many clients use the consultation simply to better understand their options or clarify coverage they already have.

❓ What types of insurance do you help with?

I assist individuals, families, and businesses with:

• Health insurance

• Supplemental insurance (accident, hospital, critical illness)

• Life insurance

I focus on finding coverage that fits both your needs and your budget.

❓ Can you help outside of Open Enrollment?

In some cases, yes. Certain life events and special circumstances may qualify you for coverage outside of Open Enrollment. During our consultation, we’ll determine what options are available to you.

❓ How long does a consultation usually take?

Most consultations last 30–45 minutes, depending on your questions and the complexity of your situation.

❓ Do you work with specific insurance companies?

I work with multiple carriers, which allows me to compare options and explain differences clearly. Recommendations are based on your needs — not a one-size-fits-all approach.

❓ How do we meet?

You can choose to meet:

• In person at my office

• At a location of your preference

• Virtually via Google Meet

❓ What is the difference between Deductible and Max Out Of Pocket?

Your deductible is the amount you pay for covered medical services before your health insurance starts sharing the cost. Until you meet your deductible, you are usually responsible for most medical bills (except things like preventive care, which many plans cover early).

Your max out-of-pocket is the most you will pay in a year for covered, in-network care. This includes what you pay toward your deductible, copays, and coinsurance. Once you reach this limit, your insurance pays 100% of covered services for the rest of the year.

How they work together:

• You typically pay up to your deductible first

• The money you pay toward your deductible counts toward your max out-of-pocket

• Once the max out-of-pocket is reached, you stop paying for covered care for that year

In short:
The deductible determines when insurance starts helping.
The max out-of-pocket protects you from paying too much in a worst-case year.

Insurance options and eligibility vary by individual circumstances and carrier guidelines.