Information

I pride myself on my adaptability and commitment to excellence in every aspect of my service. Explore what I have to offer and how I can contribute to your success.

Frequently asked questions

Most Popular FAQ:

Does health insurance cover pre-existing conditions?

Many modern plans do cover pre-existing conditions, but it depends on the type of plan. Always confirm before enrolling or canceling current plan(s).

Can I change my health plan anytime?

Most plans can be changed during Open Enrollment, or if you have a Qualifying Life Event (like losing coverage, marriage, or moving).

 

What is health insurance?

Health insurance helps cover the cost of medical expenses, including doctor visits, hospital stays, prescriptions, and preventive care. It protects you from paying the full cost out of pocket when you need care.

Why do I need health insurance?

Medical bills can be expensive — even one emergency visit can cost thousands. Health insurance helps reduce those costs and ensures you have access to care when you need it most.

What’s the difference between a deductible and a copay?

  • Deductible: The amount you pay before your insurance starts covering costs.

  • Copay: A set fee (like $25) you pay for specific services such as doctor visits or prescriptions.

What does “First-Dollar Coverage” mean?

It means your insurance starts paying from the first dollar — no deductible, no waiting. You get immediate benefits for eligible services.

Can I choose any doctor or hospital?

It depends on your plan. Some plans let you see any provider, while others have a network of preferred doctors. Ask if your plan allows “any provider freedom.”

How much does health insurance cost?

Costs vary based on your age, location, coverage type, and plan benefits. You can request a personalized quote to see what fits your needs and budget.

What’s the difference between traditional and fixed indemnity plans?

  • Traditional plans have deductibles and networks.

  • Fixed indemnity plans pay you set cash benefits for specific services — giving flexibility and often lower monthly costs

 Can I have coverage if I’m self-employed?

Yes! Self-employed individuals can get private health plans designed to provide the same protection as employer coverage.

Beyond the ordinary

This is where our journey together begins. Get to know Joshua Person and what I do, and how I'm committed to quality and great service.