Auto & Home Insurance

Q: What types of auto insurance do you offer?
A: We offer liability, collision, comprehensive, uninsured motorist, and full coverage policies tailored to your budget and driving needs.

​

Q: Can I bundle my home and auto insurance for a discount?
A: Yes! We offer multi-policy discounts when you bundle auto and home insurance together.

 

Q: What’s covered under a standard homeowners insurance policy?
A: Standard policies typically cover your home’s structure, personal belongings, liability, and

additional living expenses in case of damage or disaster.

 

Q: Do you offer renters or landlord policies?
A: Absolutely. Whether you’re renting or leasing property to others, we have coverage options to protect your space and your peace of mind.

​​

​

​

​

 

​

Marketplace (Affordable Care Act / ACA Plans)

Q: What is an ACA (Marketplace) health plan?
A: ACA plans are health insurance options available through the federal or state marketplace. They offer essential health benefits and cannot deny you for pre-existing conditions.

 

Q: Do you help determine subsidy eligibility?
A: Yes! We help clients check their income-based eligibility for tax credits to reduce monthly premiums.

 

Q: When can I enroll in a Marketplace plan?
A: Open Enrollment runs annually from November 1 to January 15, but Special Enrollment may be available if you’ve had a qualifying life event (e.g., job loss, birth, move).

 

Q: What’s the difference between Bronze, Silver, Gold, and Platinum plans?
A: These tiers reflect how you and the plan split costs. Bronze has the lowest premiums but higher out-of-pocket costs, while Platinum has higher premiums and the lowest out-of-pocket costs.

​

​

Medicare, Advantage & Supplement

Q: What is the difference between Medicare Advantage and Medicare Supplement (Medigap)?
A: Medicare Advantage plans are all-in-one alternatives to Original Medicare offered by private insurers. Medigap plans work alongside Original Medicare to cover what Medicare doesn’t—like copays and deductibles.

 

Q: Do I need both Medicare Advantage and a Supplement?
A: No. You can only enroll in one or the other—not both at the same time.

 

Q: What’s included in a Medicare Advantage plan?
A: (Advantage) Part C is an all-in-one alternative to Original Medicare, offered by private insurance companies approved by Medicare. These plans must cover everything that the Original Medicare (Part A and Part B) covers, and will often include extra benefits.

 

Q: When can I enroll in Medicare or switch plans?
A: Initial Enrollment starts 3 months before your 65th birthday. There’s also Annual Enrollment (Oct 15–Dec 7) and Open Enrollment (Jan 1–Mar 31) for certain changes.

 

Q: Will I lose my doctor if I switch to Medicare Advantage?
A: It depends on the network. We help verify your providers before you enroll to ensure continuity of care.

 

Q: What is Medicare Part D?
A: Medicare Part D is prescription drug coverage offered by private insurance companies approved by Medicare. It helps cover the cost of medications.

 

Q: Who can get Medicare Part D?
A: Anyone who is enrolled in Medicare Part A and/or Part B can join a Part D plan.

​

Q: Is Part D automatically included with Medicare?
A: No. You have to enroll separately in a Part D plan through a private insurer.

 

Q: What does Part D cover?
A: It covers most outpatient prescription drugs, including brand-name and generic drugs listed on the plan’s formulary (approved drug list).

 

Q: How much does it cost?
A:

• Monthly premium (varies by plan)

• Annual deductible (up to $545 in 2024, varies by plan)

• Copays/coinsurance at the pharmacy

• A possible penalty if you don’t enroll when first eligible and don’t have other drug coverage

 

Q: When can I enroll?
A:

• Initial Enrollment Period (IEP): When you first become eligible for Medicare

• Annual Enrollment Period: Oct 15 – Dec 7 each year

• Special Enrollment Periods: For qualifying life events like moving or losing coverage

 

Q: Do I get a penalty if I don't enroll in Medicare or Part D on time?
A: Yes, you might.

• If you delay Medicare Part B (medical insurance) and don’t have other qualifying coverage, you may pay a 10% penalty for each full year you were eligible but didn’t enroll. This penalty is added to your Part B premium for life.
   

• If you delay Medicare Part D (prescription drug coverage) and go 63+ days without creditable drug coverage, you’ll pay a permanent monthly penalty—1% of the national base premium for each uncovered month.
  
  Tip: To avoid penalties, enroll during your Initial Enrollment Period or ensure you have creditable coverage from another source.

 

Q: How do I contact Medicare?
A: You can contact Medicare in the following ways:

• Phone: Call 1-800-MEDICARE (1-800-633-4227) — available 24/7. TTY users can call 1-877-486-2048.
   

• Online: Visit www.medicare.gov for information, to compare plans, or manage your account.
   

• Mail:
  Medicare
  P.O. Box 1270
  Lawrence, KS 66044

 

​​

​

 

​

General Questions

Q: How do I get a quote?
A: Simply contact us through phone, email, or our online form. We offer free, no-obligation quotes with personalized recommendations.

 

Q: Do you charge for your services?
A: No! Our services are free. We’re paid directly by the insurance companies, not by you.

 

Q: Can you help me understand which plan is best for me?
A: Absolutely. We walk you through each option, explain the pros and cons, and make sure it fits your needs and budget.

 

Q: Do you work with specific insurance companies?
A: We’re independent, so we partner with a variety of top-rated carriers to find the right fit for your situation.