Q. What is "ACA" and what does that mean to me?
A. "ACA" stands for Affordable Care Act. The law is thousands of pages long but basically it means: you have to have insurance, your plan has to have certain benefits, you get fined if you don't have insurance, some people get subsidies to help pay their premiums.
Q. How do I know if I'm eligible for a subsidy?
A. I can help you determine that.
Q. If I do get a subsidy, how do I use it?
A. You have to sign up via "The Marketplace", which varies state-to-state. I can help you with that too!
Q. What does it cost to use an agent to help me with my insurance?
A. NOTHING! Brokers are compensated via the carriers and there is no difference in your premium to use a broker.
Q. Can I get insurance anytime I want?
A. You can only apply during open enrollment which for 2016 is was November 15 - January 31 for health insurance and November 1 - December 7 for Medicare unless you have a Qualifying Life Event (QLE).
Q. What are the QLEs?
A. Marriage, divorce, death, birth, change of job, relocation, loss of income, employer sponsored insurance premium increases or dropped coverage or become eligible for Medicare due to age.
GFAM specializes in two main areas of insurance, although I can do what every other life and health insurance does. I specialize in INDIVIDUAL HEALTH INSURANCE INCLUDING ACA PROBLEMS and LIFE INSURANCE. And for 2016, I am working with MEDICARE ADVANTAGE AND SUPPLEMENTS.
And if isn't enough to show I'm different than other brokers and agents out there, I actually care about my clients. I won't rush you off the phone to get to the next person. I always return phone calls and emails. Honesty and integrity are not just words on a page to me. I live by those concepts in all aspects of my life and business.
National Health Insurance Specialist
Here at GFAM, I am dedicated to you and all your different insurance needs. As an independent broker, I have access to dozens of carriers and hundreds of products.
I don't work for any specific carrier. I work for YOU and your family. My goal is to find you the perfect comprehensive plan for your needs at a premium that fits your budget.