Frequently asked questions (FAQ)

Feel free to contact me with any questions that you may have.  I’m here to help. 

You can reach me at 432-889-1234.

What is Open Enrollment?

Open Enrollment is the time set aside every year to allow you the opportunity to review your current insurance coverage.  It is also the time of year that you have the opportunity to make changes to what you currently have.

When is Open Enrollment?

Open Enrollment is every year from October 15 to December 7.  Open Enrollment is also known as the Annual Election Period or the AEP.

Can I change insurance coverage now?

Possibly, if you meet special circumstances such as, just turning 65, recently moved into the area, lost your insurance involuntarily, retiring from a job, have diabetes, cardiovascular disease or coronary artery disease, receiving Medicaid or Limited income assistance, you may have a special election period.  I can help you determine if you qualify.

How should I answer medical questions?

Keep in mind Doctors no longer scribble notes in your private chart that stays in their office files.  Doctors now transcribe to computers, laptops, tablets and other electronic devices.  Those are usually directly tied to the hospitals they have credentials with and many other doctors and facilities.  These records usually go into the Office of the National Coordinator for Health Information Technology (ONC).  Information here can be used to set prices for all insurance products (home, health, auto, life).  The ONC site is also used to determine whether or not to issue the policy you applied for.

  • Don’t give them more than they ask for.
  • Answer the question honestly.  Usually yes or no will suffice.
  • Pay close attention to the timeline of the question, was it within the last two years, five years or have you ever.
  • Answer only what they are asking.  Never answer yes, BUT (or no, but) “in 19– I had __________”.
  • Don’t give a reason for them to charge you a higher premium.
  • Again, don’t give them more than they are asking.

Be extremely careful about sharing information over the telephone.  Just because they are super-friendly does not mean they have your best interest at heart or that they are your friend.  It’s ok not to share everything.  It won’t change their opinon of you.

Have a blessed day!

Why use an insurance agent when I can sign up online?

An agent has knowledge to help you negotiate the piles of literature you receive, show you what is available, and help you know what you are required to have.  Agents can assist with helping you if you qualify for assistance such as Medicaid or limited income assistance (LIS).

What is a Traveling Notary?

A traveling notary is a person fully-licensed by the State of Texas to notarize documents at a location of convenience to you.

Why call me?

I am an independent agent.  I have access to several plans, and I can explain the plans in a way most people understand.  I may not know all the answers, but I know where to get the answers.  Call me at 432-889-1234.