Get In Touch
Ready to speak to an agent? Contact us for a free quote or to learn more about coverage options
843-459-7167
ADDRESS:
COLUMBIA, SC 29201
FAQs
Your Health Insurance Questions, Answered Simply.
What’s the difference between a deductible, copay, and coinsurance?
Deductible: What you pay before insurance kicks in
Copay: A fixed fee for things like doctor visits
Coinsurance: The percentage you pay after your deductible is met I’ll walk you through these terms so nothing catches you off guard.
Do I need insurance if I’m healthy?
Absolutely. Even if you’re healthy now, unexpected accidents or illnesses can lead to major expenses. Having a plan protects your finances—and gives you peace of mind that you can get care when you need it.
Can I keep my doctor?
In most cases, yes—especially with PPO plans that offer wider provider networks. I’ll check your preferred doctors and match you with a plan that includes them.
Is dental and vision coverage included in health insurance?
Usually not. Most health insurance plans don’t include dental or vision, but I offer affordable add-on plans that cover exams, cleanings, glasses, and more so you’re fully protected.
How long does it take to get coverage after I apply?
In many cases, your coverage can start as soon as the next day, especially with short-term or supplemental plans. For major medical or marketplace plans, coverage usually begins on the 1st of the following month. I’ll make sure you know exactly when your benefits start.
What if I can’t afford health insurance?
You may qualify for subsidies, tax credits, or low-cost options depending on your income. I’ll check what you’re eligible for and find the most affordable plan available—sometimes with $0 premium options.