Tailored insurance for your life and health.

Yes! If you’re self-employed or a freelancer without employer coverage, you can apply for Marketplace coverage. Many self-employed individuals qualify for premium tax credits and cost-sharing reductions.

Many policies allow date changes before departure, and some automatically extend coverage if your return is delayed by a covered reason; otherwise you may need to endorse or repurchase. Always confirm with your provider.

Absolutely—many insurers offer bundle options that combine all three coverages under one plan and single monthly payment.

Pre-existing conditions are typically excluded, meaning diagnoses before your effective date aren’t covered. In some cases, if cancer was in remission, coverage may resume.

Yes—and it’s often recommended. STD bridges short absences, while LTD supports longer-term disability. They often coordinate so STD benefits pay first, then LTD begins.

Absolutely. Cancer insurance is designed to supplement—not replace—other coverages like Medicare, employer plans, or ACA policies.

Absolutely. You can stack multiple term policies, such as personal and workplace coverage .

Yes. Depending on the plan, you may access both in-network and out-of-network providers, though using in-network professionals is often more cost-effective.

MA plans use provider networks. You typically must stay in-network, unless it’s an HMO with out-of-network emergency coverage or a PPO with higher costs. Check your plan’s provider list.

Disclaimer: Check your plan’s provider directory to confirm your doctor’s participation.

Availability of benefits and plans varies by carrier and location. Deductibles, copays and coinsurance may apply.

That depends on the plan’s provider network. Always check if your preferred doctors, hospitals, or specialists are in-network before enrolling. Out-of-network care is often more expensive or not covered.

Many employer-offered plans include portability options, allowing you to continue coverage by paying premiums directly—though availability varies by state.

Yes. Medigap allows you to see any doctor or provider who accepts Medicare assignment—giving you nationwide flexibility.

Sometimes. Some plans allow any provider without a network; others use PPO networks—so check to ensure your doctor is covered.

In most cases, yes. Your Medigap plan stays valid if you move to another state—though your premium amount may change.

Yes. You can name multiple beneficiaries, assign specific percentages, and designate contingent beneficiaries in case your primary passes before you. This helps ensure funds go where you intend.