Frequently asked questions

It depends on the type of insurance, the insurer, the plan, your location, your age and other factors. That's why we don't publish prices: we review the available options and their costs with you. The final price is confirmed by the insurer.

Requesting a consultation is free and doesn't commit you to buy. We explain your options so you can decide calmly.

To start, just tell us what you need, who would be covered and your ZIP code. If you decide to apply, the insurer may ask for a valid ID and other information; we'll never ask for sensitive information through the website form.

Book a consultation or call us. An advisor will ask a few questions and review the available options with you. Requesting a quote doesn't guarantee coverage or price.

We get back to you as soon as possible after receiving your request, to agree on a day and time for the consultation.

Obamacare is what people call the health plans you sign up for through the government's official site, such as HealthCare.gov. We help you compare the plans available in your state and enroll step by step. Depending on your income and how many people live with you, you may be able to pay less each month. We review it together before you decide.

Many plans have an open enrollment period once a year. Outside it, you may qualify for special enrollment after certain life changes, such as moving, losing other coverage, getting married or having a baby. Dates vary by plan type and year; we confirm them with you.

The premium is what you pay to have the insurance, usually every month. The deductible is what you pay for certain services before the plan starts sharing the cost. A copay is a fixed amount for a service, like a doctor visit. Each plan sets its own amounts.

Each insurer publishes a provider directory for each plan. We can help you look it up, but we also recommend confirming directly with the doctor's office or hospital, since networks can change.

Each policy sets its own coverage, limits, exclusions and waiting periods. We explain the differences and review the plan documents with you before any decision.

Accident and hospital indemnity insurance can pay set benefits for certain covered events. They complement health insurance; they don't replace it.

Term life protects you for a set period. Permanent life aims to protect you for life and may have additional features depending on the policy type. Approval and premium depend on the insurer's evaluation.

They are products related to protection and retirement, with their own conditions, fees and limits. They aren't risk-free investments. We can share general information and review with you whether one fits your goals.

Yes. Reach out to review changes in your situation or your policy renewal, and we will walk you through the available options.

Check your card and policy documents, and contact the insurer or your provider. You can also reach out to us: we can guide you through the steps, although the claim itself is handled by the insurer.

The same advisor who helped you, Canio or Airam, in your language.

Yes. Canio Zarrilli serves clients primarily in Spanish, and Airam Galvis primarily in English.

We serve clients in Arizona, Florida, Georgia, Iowa, Montana, South Carolina, Tennessee and Texas. Product availability depends on each state and insurer.

Both. We can meet by video call, talk by phone, or meet in person at your home or at a place we agree on in advance.