Q: What is a Health Insurance Broker?
A: A Health Insurance Broker is someone who acts on behalf of health insurance companies to acquire clients for them. Brokers are not employed by these companies, as they act as independent contractors and are technically self-employed. Brokers often represent multiple companies, and are able to assist or represent you (with your permission) and act as a liaison between you and government during optional or mandatory interactions. Brokers help you choose a health insurance plan according to your needs and your budget, and assist you throughout the entire process of enrollment. Healthcare.gov can be very confusing, and having a Broker guide you can be an immense help.
Q: Why should I use a Broker? Can’t I do it by myself?
A: It is possible to do it by yourself, but why would you want to? Perhaps the most important reason you should use a Broker is that we don’t charge you for our services. Not only that, but the prices of the health insurance plans are the same whether you do it alone, or have a broker do it for you. Why not get the free expert help? Since we represent multiple companies (I represent every company that offers on exchange plans in Nevada,) we can show you all of the plans. An agent can only show you plans of the company that he works for. Brokers are not loyal to any company. We are only loyal to our clients, as it is always your best interest we have in mind and not the interest of insurance companies.
Q: How does the sign up process work?
A: I will meet with you in person (or on phone if you wish) and explain everything. The first step is creating an account on Healthcare.gov. The next step is to do an application. When we finish the application, we will know how much of a discount the government is going to give you. From there we look at the plans with the discount applied, and do any calculations we need to about medical conditions/deductibles/drugs etc. I will answer all of your questions about the plans and make a recommendation. When I enroll you in the plan, all you have to do is wait for the insurance company to contact you.
Q: Isn’t insurance too expensive? I’ve seen the prices and I can’t afford anything near that.
A: It is likely that you did not account for the subsidy. The price of insurance has gone up since President Obama signed the Affordable Care Act into law, but that doesn’t mean your insurance will be too expensive. Due to the new law, the price of insurance actually depends on your income. If you are making between $16,500 – $50,000 per year, you can probably expect to get some amount of discount on your plan. Some of my clients pay as little as $50 a month. I guarantee you the lowest possible price.
Q: Can’t I find it cheaper somewhere else?
A: No. The price of on-exchange insurance plans is exactly the same everywhere you look. The prices that I show you are the same prices that every other person and every other website will show you.
Q: I was hurt at work. Will I receive payments from my insurance?
A: No. You should be covered under your employer’s Worker’s Compensation programs and insurance. Please give me a call if you have further questions about this.
Q: I have a preexisting medical condition. Can I still get insurance?
A: Yes. The new law requires insurance companies to provide coverage for preexisting conditions. To deny you coverage for that would be illegal.
Q: Does my plan include dental/vision insurance? Are there maternity benefits?
A: Today, nearly all plans do not include dental and vision coverage. Some plans do have clauses covering these services for infants. I am able to help you sign up for dental and vision separately if you desire that coverage. Some plans cover deliveries, but most do not have maternity benefits. You will likely be subject to a copayment or deductible for child delivery.
Q: I am expecting a child. How does adding the baby to my plan work?
A: Congratulations! Your child is covered upon birth for 30 days. After this time, he/she needs to be added to your plan. The process of adding a child is fairly simple, be sure to have the birth certificate and social security number readily available when you call me.
Q: When can I buy insurance?
A: You can only buy insurance during the Open Enrollment Period, which this year will begin November 1st and run though January 31st. Outside of those dates, you can only buy insurance if a specific life event applies to you, triggering a Special Enrollment Period. Get in touch with me to discuss your specific circumstances and we can determine if I can still help you sign up. I have a 95% success rate at getting Special Enrollment Periods for my clients.
Q: Where are you located?
A: I live in Henderson and service the entire Las Vegas valley. I work from home and conduct business either over the phone, or in person at your home or a public place. I prefer to meet in person so we can both put a face to the name, and I can give you my business card.
Q: I don’t live in Nevada. Can you still help me?
A: I hope so! I hold Health & Life Insurances licenses in Nevada, California, Texas, Maine, Michigan, New Mexico, South Carolina, and Florida. If your permanent residence is in one of those states, I can assist you.
Q: I have insurance through work. Can I get it cheaper with you?
A: Maybe. If your job offers you insurance and it costs you less than 9.5% of your income yearly, you legally must accept the insurance. If it costs you more than 9.5% of your income, you have the option of dropping out of their plan and signing up independently. Give me a call and we can do the math and find out which would be more cost and benefit effective for you and your family.
Q: I just lost my insurance and am outside of the Open Enrollment Period. Can you help me?
A: Yes. You have 60 days from the date of losing your coverage to apply through Healthcare.gov with a Special Enrollment. It is important that we do this as soon as possible. I typically don’t recommend taking the COBRA because it usually costs you 300% more than normal for the coverage, and getting it through me would be substantially less expensive.
Q: I have a question that is not listed on the FAQ. Now what?
A: The FAQ provides answers to general questions. Please contact me directly and I would be more than happy to answer any and all additional questions you have.
Q: How can I get in touch with you?
A: You can reach me by email at Smartin@ushealthbrokers.com
If you would like to reach me by phone, please find my numbers below. If I don’t answer, please leave a message with your name and callback number. I respond to calls and emails as fast as possible.
Cell: (949) 322-9321
Office: (702) 786-6356