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Yes. You can get health insurance even if you’re unemployed. Depending on your household size and income, you may qualify for financial assistance that lowers your monthly premium. You do not need to have a job to qualify for coverage through the Health Insurance Marketplace.
Yes. Many people qualify for financial assistance that reduces their monthly health insurance premiums. Eligibility and the amount of assistance depend on factors such as household size, income, and the coverage available in your area.
It depends on the plan and its provider network. Keeping your current doctors is a priority when comparing coverage options, so it’s important to check that they’re in-network before choosing a plan. This can help you avoid unexpected costs or having to switch providers.
Yes. Health insurance plans offered through the Health Insurance Marketplace cannot deny you coverage or charge you more because of a pre-existing condition. This includes conditions such as asthma, diabetes, and heart disease. Your coverage for specific treatments and medications will depend on the plan you choose.
Yes. We can compare available plans to find coverage that includes your medications and review the copays and coverage requirements for each option. If a medication is expensive or has limited coverage, manufacturer copay cards or prescription assistance programs may also be available to help reduce the cost.
The cost of health insurance depends on factors such as your age, location, household income, household size, and the plan you choose. Some people qualify for financial assistance that lowers their monthly premium. Deductibles, copays, and other out-of-pocket costs also vary between plans.
Yes. Self-employed individuals can purchase health insurance through the Health Insurance Marketplace. Depending on your household size and income, you may qualify for financial assistance to lower your monthly premium. Your eligibility is based on your household income, not simply the fact that you work for yourself.
Yes. Dental and vision insurance can often be purchased separately from your health insurance plan. This allows you to choose coverage based on your needs, whether you're looking for routine dental care, help paying for glasses or contacts, or coverage for your family.
Most people become eligible for Medicare at age 65. Your Initial Enrollment Period begins three months before the month you turn 65 and ends three months after it. You may also qualify earlier due to certain disabilities or medical conditions. If you have health coverage through an employer, your enrollment timing may be different, so it's important to understand your options before making a decision.
Original Medicare includes Part A, which generally covers inpatient hospital care, and Part B, which covers services such as doctor visits, preventive care, and outpatient services. It does not cover most routine dental care, eye exams for glasses, or hearing aids. Prescription drug coverage is generally available through a separate Part D plan. Some people choose additional coverage to help with costs and services that Original Medicare doesn't cover.
Most dental insurance plans cover preventive care, such as routine exams and cleanings, often at little or no additional cost when you use an in-network dentist. Coverage for X-rays, fillings, crowns, and other procedures varies by plan.
Yes. Many vision insurance plans include an allowance toward eyeglass frames or contact lenses, along with coverage for routine eye exams. The amount covered and any additional costs depend on the plan you choose.
The right amount depends on your financial responsibilities and what you want to provide for your loved ones. Consider expenses such as mortgage or rent payments, outstanding debts, everyday living costs, and future needs like your children's education. Your income, savings, and existing coverage can also help determine how much protection makes sense for your family.
Life insurance costs vary based on factors such as your age, health, coverage amount, and the type of policy you choose. Term life insurance is generally more affordable than permanent life insurance. Applying when you're younger and in good health can often help you qualify for lower rates.
Yes. Many people with existing health conditions can still qualify for life insurance. Approval and pricing depend on the condition, its severity, your treatment history, and the type of policy you apply for. Some policies have fewer health requirements, although they may offer different benefits or cost more.
Accident insurance helps cover certain out-of-pocket expenses resulting from a covered accidental injury. Depending on the policy, benefits may apply to injuries such as broken bones, burns, emergency room visits, ambulance rides, and follow-up care. It is generally supplemental coverage designed to work alongside your regular health insurance, not replace it.
Many accident insurance plans pay benefits directly to you when you receive covered medical services or experience a qualifying injury. You can generally use the money toward medical bills, deductibles, everyday expenses, or other costs. The amount paid depends on the policy's benefit schedule and the type of injury or treatment.
Critical illness insurance provides a benefit if you're diagnosed with a serious condition covered by your policy. Covered conditions often include cancer, heart attack, and stroke, although the specific conditions and requirements vary by plan. The benefit can help with medical expenses, household bills, or other costs while you focus on your health.
Yes. Accident and critical illness insurance are designed to supplement your regular health insurance, not replace it. They can provide additional financial protection when a covered injury or serious illness occurs. Depending on the policy, benefits may be paid directly to you to help with medical bills, lost income, or everyday expenses.
Yes. You can purchase individual health insurance if your employer doesn't offer coverage. Depending on your household size and income, you may qualify for financial assistance to lower your monthly premium. You can compare available plans and choose coverage that fits your needs.
In many cases, yes, but it depends on the type of Medicare coverage you choose. With Original Medicare, you can generally visit any doctor or hospital in the United States that accepts Medicare. Medicare Advantage plans typically have provider networks, so it's important to check whether your doctors are included before choosing a plan.
Yes. Many dental and vision insurance plans offer family coverage, allowing you to insure yourself, your spouse, and eligible dependents under one plan. Available benefits, monthly costs, and eligibility requirements vary by plan, so it's important to compare options based on your family's needs.
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