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Navigating the world of health insurance can feel overwhelming, but at Simbia, we’re here to make it simple. Whether you’re choosing a plan for the first time, switching coverage, or looking for cost-saving options, this comprehensive FAQ guide answers the most common questions about health insurance.
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Health insurance is a policy that helps cover medical expenses such as doctor visits, hospital stays, prescriptions, and preventive care. Having health insurance protects you from high medical costs and ensures access to necessary healthcare services.
There are several types of health insurance plans, including:
Private health insurance is purchased directly from an insurer and often offers more flexibility and provider choices. ACA (Obamacare) plans are government-regulated, cover pre-existing conditions, and may offer subsidies based on income.
You can enroll in health insurance during the Open Enrollment Period (OEP), which typically runs from November 1st to January 15th. If you miss this period, you may qualify for a Special Enrollment Period (SEP).
An SEP allows you to enroll in a health plan outside of Open Enrollment if you experience a qualifying life event, such as:
Yes! Under the Affordable Care Act (ACA), insurance companies cannot deny coverage or charge higher premiums due to pre-existing conditions.
While there is no longer a federal penalty for not having health insurance, some states still require coverage. More importantly, going uninsured can leave you with high medical bills if an emergency occurs
Your zip code helps to identify your location and can assist in providing you with a personalized experience.
It is important to provide accurate and complete information to ensure that your request is processed in a timely and efficient manner.
It is important to double-check your information before hitting submit to ensure that your zip code is accurate.
Health insurance costs vary based on factors like age, location, coverage level, and household income. The average monthly premium can range from $150 to $500+ per person, depending on the plan.
Yes! Many people qualify for Premium Tax Credits and Cost-Sharing Reductions under the ACA, which lower monthly premiums and out-of-pocket expenses based on income.
Yes! If you’re self-employed, you may be able to deduct health insurance premiums from your taxable income.
Most health insurance plans cover:
No, most health insurance plans do not include dental and vision. You may need to purchase separate dental and vision insurance for full coverage.
It depends on the plan. PPOs offer greater provider flexibility, while HMOs require in-network doctors. Always check if your preferred providers accept your insurance before enrolling.
You can only change plans outside of Open Enrollment if you qualify for a Special Enrollment Period (SEP).
Most plans automatically renew if you continue making payments, but it’s a good idea to review your options during Open Enrollment to ensure you’re getting the best deal.
Yes, but cancellation policies vary by provider. If you cancel, you may have to wait until the next Open Enrollment Period to get a new plan unless you qualify for an SEP.
Still have questions? At Simbia, we’re dedicated to helping you find affordable, high-quality health insurance that meets your needs.
At Simbia, we make health insurance easy to understand and even easier to enroll in. Let’s find the right plan for you!
Your insurance should not only fit your budget, but it should also give you as much coverage and offer flexible payment terms. It is rather hard to find plans that offer all of those. With us, we are going to make sure you get the best coverage at the best price.
Similar to when you shop online or otherwise, you always have options and it's you who's going to make the final call. It is advised to do some research and read through the agreement prior to signing the papers. Note that health insurance is not a simple purchase, but it's a commitment to your health and your family's health.
Be wise and always keep your options open. There are plenty of options and offerings out there. Be diligent, compare the terms and prices, ask your family and friends if they have some good recommendations. If possible, discuss with a licensed healthcare agent to make sure you get the best deals.
There are tons of health insurance agencies and networks who would want to do business with you. It is advised to go with reputable ones, to make sure you get the most out of your investment and that you won’t get ripped off.