Does it cost more to work with a health insurance agent?

No — there’s no additional cost to work with a licensed agent. Health insurance premiums are the same whether you enroll directly or with help. The advantage of working with an agent is getting personal guidance, access to plan comparisons, and ongoing support throughout the year — including help resolving billing or coverage issues, and guidance during future renewals or life changes.

Can I get dental and vision coverage too?

Dental and vision plans are not included in most health insurance plans for adults but can be purchased separately. Pediatric dental is sometimes included in ACA plans, but adult coverage must be added as a standalone plan. We can help you compare affordable options for dental and vision coverage that match your needs and budget.

What if I only need coverage for a short period of time?

If you’re in between jobs or waiting for other coverage to begin, a short-term health plan may be a temporary option. These plans are not ACA-compliant and usually don’t cover pre-existing conditions, maternity, or mental health care — but they can help protect you in case of major illness or injury. Short-term plans are not guaranteed issue and may involve basic medical questions. They’re best used as a short-term solution when you don’t qualify for an ACA plan.

What documents do I need to apply for a health insurance plan?

To apply for Marketplace coverage and financial assistance, you’ll need basic information like names, birthdates, and Social Security numbers for everyone applying. You should also estimate your household income for the year — typically based on your adjusted gross income plus certain tax-exempt amounts. If you're not a U.S. citizen, you may need to provide immigration documents. Having your most recent tax return or pay stubs nearby can make the process easier.

When can I enroll in a health insurance plan?

The Open Enrollment Period runs from November 1 through December 15 for a January 1 start date. During this time, anyone can sign up or switch plans. If you miss it, you may still be eligible for a Special Enrollment Period triggered by events like losing job-based coverage, moving to a new state, getting married, having a baby, or other qualifying life events. If you don’t qualify for a special enrollment window, you may need to consider a short-term plan until the next Open Enrollment Period.

Can I use my current doctor with these plans?

That depends on the insurance carrier’s provider network . Because most plans in the individual market are HMOs, they require you to see in-network providers for care to be covered (except in emergencies). Before enrolling, we’ll help you check whether your preferred doctors, hospitals, and specialists participate in the plan’s network so there are no surprises.

FAQs – JME Insurance

Does it cost more to work with a health insurance agent?
April 29, 2025Individual & Family FAQs0 min
Can I get dental and vision coverage too?
April 29, 2025Individual & Family FAQs0 min
What if I only need coverage for a short period of time?
April 29, 2025Individual & Family FAQs0 min
What documents do I need to apply for a health insurance plan?
April 29, 2025Individual & Family FAQs0 min
When can I enroll in a health insurance plan?
April 29, 2025Individual & Family FAQs0 min
Can I use my current doctor with these plans?
April 29, 2025Individual & Family FAQs0 min

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