Erick Schaefer, CEO
As a Licensed Health Insurance Agent (NPN: 19032359), licensed in over 30 states, I help individuals, families, small businesses, entrepreneurs, and nonprofits navigate their health insurance options with confidence. Backed by a team of knowledgeable health professionals, I can quickly assess your unique situation and recommend plans that best suit your needs—whether you’re shopping for individual and family insurance, group insurance, dental and vision coverage, Obamacare (ACA) plans, or supplemental insurance.
I’m here to answer your questions about your current coverage, explore better options, or help you compare providers. My goal is to make the process easy and stress-free, ensuring you find a health insurance solution that works for you—no matter where you live in the United States.
Health Insurance FAQ's
Citizen or not, there is a product out there for everyone. Our knowledgable consultants will aid anyone in getting both financially and medically protected incase of any unforeseen events.
We take pride in finding you the value you deserve. We find solutions based on your specific needs and walk you every step of the way.
The cost of Health Insurance depends on several factors. Costs vary based on your plan type, whether you have insurance through an employer or private insurer, what state you live in, and how much of the insurance you cover.
With an HMO plan, you pick one primary care physician. All your health care services go through that doctor.
PPO plans give you flexibility. You don’t need a primary care physician. You can go to any health care professional you want without a referral—inside or outside of your network.
Medicare and Medicaid are both government health care programs, but they are very different. Medicare is generally for people who are 65 or older, or who have a qualified disability. Medicaid is a state-governed program for people with limited income and resources. Some people are eligible for both Medicare and Medicaid. These people are considered “dual eligible” and are often qualified for special Medicare plans.
No part of Medicare is mandatory, but if you choose to enroll in any part of Medicare after your Initial Enrollment Period, you could face financial penalties unless you qualify for a Special Enrollment Period with creditable employer coverage.
No part of Medicare is mandatory, but if you choose to enroll in any part of Medicare after your Initial Enrollment Period, you could face financial penalties unless you qualify for a Special Enrollment Period with creditable employer coverage.
Health Insurance can help you pay for your regular healthcare costs as well as your major medical expenses, depending on the type of plan you choose.
You will pay a premium of some kind, based on your plan and coverage, whether you get your health insurance through your employer or privately. Depending on your type of plan, you may have co-pays, deductibles and coinsurance.