How working
with me goes

The call

30 minutes on the phone. You tell me what coverage you have now, what you’re paying for it, and which doctors and prescriptions you need to keep. I’ll ask what state you live in — I’m licensed in 8 states — and what changed this year: a new job, a move, a baby, a diagnosis. I ask because some of those changes let you sign up outside the yearly sign-up window, and because a diagnosis matters if you’re looking at a private plan — one you buy straight from an insurance company, which looks at your health history before it says yes.

What I send you

Then I pull quotes. Two kinds of plan can be on the table. A marketplace plan is one you buy through the government’s health insurance marketplace — healthcare.gov in FL, MI, NC, AZ, TX, IN, and SC; Georgia runs its own, Georgia Access — where, depending on your household income, the government may pay part of your monthly premium, the bill you pay every month whether you see a doctor or not. A private plan is the other kind, bought straight from an insurance company that weighs your health history; those come from the companies I’m appointed with, meaning contracted to sell their plans. All 11 companies I work with are listed further down this page.

Either way you see them side by side: what each plan covers, what you’d pay a month, and whether the doctors you named are in that plan’s network — the doctors and hospitals the plan has a deal with. I’ll show you the deductible, which is what you pay yourself before the plan starts paying, and the out-of-pocket maximum, the most you’d pay in a year before the plan picks up the rest.

Signing up

You pick the plan — I don’t pick it for you. I fill out the application with you and send it in. A marketplace plan goes in through the marketplace itself or through HealthSherpa, an enrollment website that connects to it, in FL, MI, NC, AZ, TX, IN, and SC; in Georgia, you enroll yourself at Georgia Access, because I’m not an agent on that marketplace. A private plan goes through underwriting, which is the insurance company’s review of your health history, and I’ll tell you what they’re asking for and what it means. Either way I stay on it until you hear back.

After you’re covered

I don’t hand you off once you’re enrolled. Call me when a claim gets denied, when a doctor drops out of the network, when a letter shows up that you can’t make sense of, or when your job or your income changes. When renewal comes around, I’ll look at whether the plan still fits.