Frequently Asked Questions
Welcome to our FAQ center — your one-stop guide for answers about health insurance, Medicare, ACA Marketplace, Private Medical Plans, Medi-Share, life coverage, and more. We’ve grouped the most common questions by topic to help you get fast, clear answers based on what matters most to you.
👇 Tap a section below to explore FAQs by category.
Whether you’re turning 65 or already enrolled, these quick answers help you understand your Medicare options.
💼 Can I delay Medicare if I’m still working?
💬 Yes — if you have qualifying employer coverage, you may delay Part B without penalty.
🦷 Does Medicare cover dental, hearing, and vision?
💬 Original Medicare does not — but Advantage plans may include it, or you can add stand-alone plans. 📅 When is Medicare Open Enrollment?
💬 Oct 15 – Dec 7 each year.
🎉 What if I’m turning 65?
💬 You qualify for your Initial Enrollment Period — 3 months before through 3 months after your birthday month.
🔁 Can I change plans later?
💬 Yes — during Annual Enrollment or with a Special Enrollment Period (life changes).
🚫 Do I need both Supplement and Advantage?
💬 No — you enroll in either Medicare Advantage or Supplement (not both).
😃 Does Medicare include dental or vision?
💬 Some Advantage plans include dental/vision. Otherwise, add-ons may be needed.
Got more questions? Visit our FAQ page.
📋 Can I use ACA if I’m self-employed?
💬 Yes — self-employed people often qualify for significant subsidies based on projected income.
🚫 What happens if I don’t have health insurance?
💬 There’s no federal penalty, but you could face high medical costs without coverage.
❓ When can you enroll in ACA health insurance?
💬 Open Enrollment: Nov 1 – Jan 15. Anyone can apply or switch plans.
💬 You may still qualify for a Special Enrollment Period (SEP).
Life changes — like losing coverage, moving, getting married, or changes in income — may allow you to enroll right now.
👉 I can help check your options — just ask!
🚀 How fast does ACA coverage start?
💬 Apply by Dec 15 = Start Jan 1. Apply Dec 16–Jan 15 = Start Feb 1. SEP = 1st of the month after enrollment.
💸 Can I get help paying for my ACA plan?
💬 Most people qualify for tax credits based on income and household size.
💬 Can someone help me choose a plan?
💬 Yes! Start Here to get free personal help from a licensed agent.
Got more questions? Visit our FAQ page.
Looking for flexible, no-network-limit plans? Here’s what to know about Private PPO coverage.
❓ Are these real insurance plans?
Yes — these are real PPO insurance plans with Cigna & PHCS access, administered by TRIAD. Cigna Choice Fund Plan Options
❓ Do I need a qualifying event to apply?
No — you can apply anytime. No Special Enrollment Period (SEP) is required.
❓ Why are premiums lower?
These plans are medically underwritten for healthy individuals, which keeps premiums affordable.
❓ Can I choose my doctor?
Yes — you have PPO access to doctors nationwide with no referrals needed.
❓ Can I cancel anytime?
Yes — month-to-month coverage means you can cancel anytime with no penalties.
❓ Can self-employed people get PPO insurance?
Yes — these plans are ideal for self-employed and 1099 workers needing flexible coverage.
❓ Are these plans good for families?
Yes — affordable and flexible plan options are available for families and couples.
❓ What if I move to another state?
No problem — your PPO plan provides nationwide access through PHCS and Cigna networks.
❓ Can I use this PPO plan when traveling or out-of-state?
Yes — PPO access allows you to use your benefits anywhere in the country.
❓ What happens if my health changes after I enroll?
Your coverage will remain active as long as premiums are paid. However, because plans are medically underwritten, renewal rates may change and, in rare cases, coverage may be discontinued if claims become excessive or costly new medications are added. Always review plan terms for full details.
❓ Are prescriptions included in Private PPO Medical Plans?
Yes — prescription coverage is included. Depending on your plan, prescriptions typically have assigned copays based on the type of medication — such as generic, brand-name, or specialty drugs. Cigna Choice Fund Plan Options
verage may be discontinued if claims become excessive or costly new medications are added. Always review plan terms for full details.
Got more questions? Visit our FAQ page.
Christian healthcare sharing is different from insurance — here’s how it works and what to expect.
💉 What if I have a pre-existing condition?
💬 Medi-Share may limit or delay coverage for pre-existing conditions. Each situation is reviewed individually.
🆔 Do I get a member ID card?
💬 Yes — but it’s not an insurance card. It informs providers you’re part of a Christian cost-sharing community.
🙏 How is Medi-Share different from insurance?
💬 Medi-Share is not regulated insurance. It's a Christian cost-sharing model where members support one another's eligible needs.
📜 Does Medi-Share meet ACA requirements?
💬 No. It is an ACA alternative and not a qualified health plan.
Got more questions? Visit our FAQ page.
From accident plans to hospital and vision — this coverage pays you when life throws a curveball.
🔁 Can I use accident insurance with my health plan?
💬 Yes — it pays you cash on top of your regular insurance.
🤰 Is pregnancy considered a disability under STD?
💬 Yes — maternity leave is one of the most common uses for short-term disability.
👓 What does vision insurance cover?
💬 Exams, glasses, contacts, and LASIK discounts.
🏥 What does hospital indemnity cover?
💬 Daily cash payouts for hospital stays, maternity, bills, and recovery.
🆘 What does accident insurance include?
💬 ER visits, ambulance, broken bones, concussions, sports injuries.
💵 What does short-term disability pay for?
💬 Weekly income when you’re unable to work — including maternity.
❤️ What qualifies under critical illness?
💬 Cancer, heart attack, stroke, organ failure, and similar conditions.
Got more questions? Visit our FAQ page.
👉 Schedule a Call or Text Questions to (623) 283-1491
Getting life insurance doesn’t have to be confusing. These answers cover cost, types, and peace-of-mind planning.
👥 Can I name someone outside my family as a beneficiary?
💬 Yes — you can choose anyone you trust, including legal guardians or close friends.
⏳ What happens if I miss a payment?
💬 Most policies offer a grace period. After that, you may need to reapply or reinstate the policy.
🩺 Do I need a medical exam?
💬 Many final expense and simplified issue plans don’t require one.
📊 How much life insurance should I get?
💬 Experts recommend 5–10 years of income. Use our Estimator Guide.
🕰️ What’s the difference between term and whole life?
💬 Term = set duration. Whole = lifelong with cash value.
⚰️ Is Final Expense different from life insurance?
💬 Yes — it’s smaller coverage designed for funeral/burial costs.
Got more questions? Visit our FAQ page.
📘 Glossary – Quick Insurance Terms
ACA
💬 Federal program offering discounted health plans through marketplaces.
IEP
💬 Your 7-month window to enroll in Medicare around your 65th birthday.
SEP
💬 Lets you apply outside Open Enrollment after a life change like job loss or a move.
RBP
💬 Uses Medicare rates to lower healthcare costs, instead of billed charges.
AHP
💬 What Medi-Share members pay before sharing begins (like a deductible).
HSA
💬 A tax-free account for medical expenses, used with high-deductible plans.
Final Expense Insurance
💬 Covers funeral and burial costs — no medical exam required for many.
Hospital Indemnity
💬 Pays you cash for each hospital day — helps cover recovery and maternity.