Our Location
12496 Montana Ave Ste 42,
El Paso, TX 79938
Office Hours
8:00 AM - 5:00 PM MST
915-265-5387
Get In Touch With Us:
Get In Touch With Us:
Phone: (915) 265-5387
Email: [email protected]
Phone: (915) 910-6375
Email: [email protected]
Protecting your family is easy and affordable. Let us show you how.
Protecting your family is easy and affordable. Let us show you how.
Request A Quote Today
Frequently Asked Questions
Below, you'll find answers to several common questions that often arise when discussing health insurance.
Why do I need health insurance?
Health insurance helps cover the cost of medical care, protecting you from high medical bills and ensuring you can access necessary healthcare services.
What happens if I don't have health insurance?
You may be subject to penalties under the Affordable Care Act (individual mandate), and you'll be responsible for paying all of your medical expenses out of pocket.
Are pre-existing conditions covered by health insurance?
Under the Affordable Care Act, insurance companies cannot deny you coverage or charge you more because of pre-existing conditions.
What is a network, and how does it affect my coverage?
A network is a list of doctors, hospitals, and healthcare providers contracted with your insurance company. Staying in-network often means lower costs, while out-of-network care may have higher expenses.
What is the Open Enrollment period, and can I get health insurance outside of it?
Open Enrollment is a specified period each year when you can enroll in or make changes to your health insurance plan. Outside of this period, you can usually enroll or make changes only if you qualify for a Special Enrollment Period due to life events like marriage or job loss.
Is preventive care covered by health insurance?
Most health insurance plans cover preventive services like vaccinations, screenings, and wellness visits at no additional cost to you.
What are the different types of health insurance plans?
Common types include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), and Point of Service (POS) plans.
How do I choose the right health insurance plan for me and my family?
The choice depends on factors like your budget, healthcare needs, and preferred doctors and hospitals. Consider factors such as premiums, deductibles, and network coverage.
Can I stay on my parents' health insurance plan as a young adult?
Under the Affordable Care Act, you can typically stay on your parents' plan until you turn 26, even if you're married, not living with them, or financially independent.
Copyright All Rights Reserved.