J.Letty Daniel Agent/Broker

We Work For You! We offer FREE, Comparative Quotes From Multiple Insurance Carriers, That Way You Can Get The Best Possible Coverage & Rate

VERY IMPORTANT QUESTIONS THAT A CLIENT SHOULD ASK AN AGENT/BROKER?

Regulations

Is this insurance? Or is it a discount card, health sharing ministry, or other non-insurance product?
How long does this plan last? Do I have the right to renew it if I want to? Or can the plan deny me at renewal?
Who regulates this plan or product? (Is it the state, federal government, no one?) Who would I complain to if I have a problem?

Coverages

Does the plan cover preexisting health conditions, like diabetes and high blood pressure?
Is emergency care covered?
Are hospital stays covered? Is there a limit to the number of days?
What does the plan NOT cover, like pregnancy or mental health?
Do I get drug coverage with this plan? If so, are brand name drugs covered or only generics? Does it cover the drugs I take?
Does the plan limit how many times I can see a doctor?
Is lab work covered?
Is there a waiting period before I can start using this plan?

Costs

Can I get a Marketplace subsidy to help pay for this plan?
Is there a limit to how much I may have to pay out-of-pocket for covered medical care?
How much is the deductible? (That’s the amount you will have to pay before the health plan pays.)
What are the copays? (These are fixed amounts you will pay for certain services. For example, an emergency room visit may have a $200 copay.)
Will I pay coinsurance (a percentage of the costs) for certain services?
Does the plan pay my medical providers? Or does it pay me, and I pay the medical bills?

Doctors

Do I have to use doctors, hospitals, and urgent care centers in my network or can I use any that I want?
Do I have to ask the plan before I can see a specialist?
Can I check to see if my current doctor is in network with this plan?

Avoid scams

Here are some warning signs that you might want to move on to another company:

The agent or salesperson cannot answer basic questions about the plan, such as those on our shopping checklist.
You feel pressured to decide right away. There are no limited time offers in health insurance. No one can promise you a special deal.
A price that is much lower than other companies you’ve checked with probably means the plan has fewer benefits and more limits.
You get a call or email from a company or person you didn’t contact first.

I offer a variety of products that can help you meet a number of health insurance and financial needs. Please contact me to help you fully analyze your personal needs and recommend recommendations according to your needs and desires. We do not provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. I am not licensed in all jurisdictions. Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success.