Frequently Asked Questions
Please reach us at steve@caminohealthinsurance.com if you cannot find an answer to your question.
What types of health insurance do you offer?
We offer individual and family health insurance both on and off the Federal marketplace from a variety of companies. Additionally, we offer Medicare Advantage (Part C) products, Part D drug plans, as well as dental, vision and hearing plans.
What is Short Term Medical insurance?
Short-term medical plans can help bridge the gap when you’re between health insurance options. They’re a flexible solution for life’s in-between moments, such as:
– Graduating from college and waiting for your first full-time job with benefits
– Missing the ACA open enrollment period and needing coverage until the next one
– Losing your job and waiting for new employer coverage to begin
– Turning 26 and no longer being eligible for your parents’ plan
– Retiring early but not yet eligible for Medicare
Stay protected with temporary coverage until your next plan is in place.
Which is best — Medicare Supplement or Medicare Advantage?
Bonus points for asking THE most common question! The truth is, it depends on your situation. About half of people choose a Supplement, while the other half go with Advantage. We’ll walk through your needs together to find the option that’s right for you.
How much does health insurance cost?
Under the Affordable Care Act, you shouldn’t have to spend more than about 10% of your annual income on health insurance. If you qualify, government tax credits can help lower your monthly premium to meet this standard.
What is the difference between a Medicare supplement (Medigap) and Medicare Advantage plan?
A Medicare Supplement (Medigap) plan works alongside Original Medicare (Part A – hospital, and Part B – medical) by helping pay most of your out-of-pocket costs.
A Medicare Advantage plan (Part C) is another way to receive your Medicare benefits.
It combines Parts A, B, and often Part D (prescription coverage) into one plan. While you’re still on Medicare, your claims are handled by the insurance company instead of the government.
Think of it like the health insurance you may have had through an employer—it comes with networks, copays, and extra benefits.
Want to Learn More?
Steve can help you learn more about health insurance!