Frequently Asked Questions
Get clear answers about your coverage options, enrollment, compliance, and more—broken down by service.
Individual Insurance FAQs
Helping individuals navigate the health insurance landscape with confidence.
How do I choose the right individual health plan?
We help you compare plans from multiple carriers based on your health needs, budget, and provider preferences—making the decision process easier and clearer.
Can you help me see if I qualify for ACA subsidies?
Yes! We’ll calculate your eligibility and walk you through enrollment in ACA-compliant plans that may lower your monthly premium.
What if I’m self-employed or between jobs?
Individual coverage is often the best option. We help you find temporary or long-term plans that match your situation and income level.
When can I enroll in individual insurance?
Open Enrollment runs from November through mid-January. Qualifying life events (like job loss or a move) may allow enrollment at other times.
What does individual insurance typically cover?
Most plans include doctor visits, hospitalization, prescriptions, and preventive care. We help you understand exactly what’s included in each plan.
Can I add dental or vision to my plan?
Yes. We help you find affordable dental and vision plans from trusted providers to complement your main health coverage.
Group Health Insurance FAQs
Support for California businesses offering employee benefits.
Am I required to offer group health insurance?
If you have 50+ full-time employees, you may be required under the ACA. We help businesses of all sizes understand their obligations and options.
How do I choose the right plan for my team?
We assess your workforce and budget to help you compare plans across carriers and design a package that fits your team’s needs.
Can we offer multiple plan options to employees?
Yes. We can help you structure a benefits package with multiple plan tiers, giving employees flexibility while managing your costs.
What is a level-funded plan?
It’s a hybrid between fully insured and self-funded coverage. We explain the pros and cons and help determine if it’s right for your business.
Do you help with onboarding new hires into the plan?
Yes. We support you with employee education, enrollment, and eligibility tracking to make implementation smooth and compliant.
How often should we review our group health plan?
At least once a year—or whenever major changes happen in your company. We offer annual reviews and strategy updates.
Medicare FAQs
Simplifying Medicare options for individuals approaching 65 and beyond.
When should I start preparing for Medicare?
We recommend beginning the process 3–6 months before you turn 65. We’ll guide you through each step, from enrollment to plan selection.
What’s the difference between Medicare Advantage and Original Medicare?
We’ll help you compare both: Original Medicare is federally run, while Advantage plans are private and may include added benefits like vision or dental.
Can I get help with prescription coverage?
Yes. We help you find and enroll in Part D plans based on your specific medications and pharmacy preferences.
What is Medigap, and do I need it?
Medigap plans help cover costs not paid by Original Medicare. We help you decide if supplemental coverage is right for you and find a plan.
Can I switch Medicare plans after enrolling?
Yes. We’ll help you understand the rules for making changes during Open Enrollment or Special Enrollment Periods.
Will my doctors accept the Medicare plan I choose?
Before enrollment, we check provider networks to confirm whether your preferred doctors are covered.
Benefits Consulting & Compliance FAQs
Helping businesses stay compliant and competitive with tailored benefits strategies.
What is the difference between a broker and a consultant?
As both, we not only help you find plans but also provide strategy, compliance insight, and long-term benefits planning.
How do I stay compliant with ACA and ERISA?
We ensure you’re meeting federal and state regulations, help with required documentation, and assist with timely filings.
Can you help benchmark our benefits against competitors?
Yes. We provide benchmarking data so you can stay competitive within your industry and region.
What if I have remote employees across different states?
We help structure benefit plans that accommodate multistate teams while remaining compliant with local laws.
How often should we update our benefits strategy?
Annually at minimum. We provide regular plan reviews and updates based on your workforce changes and evolving compliance requirements.
Do you help with audits or reporting requirements?
Absolutely. We assist with ERISA documentation, 1095-C reporting, and ensure your files are audit-ready.