1) Health Insurance
- What does First Family Insurance’s health insurance cover?
- Our plans cover essential healthcare services, including preventive care, emergency treatment, prescription medications, and mental health support.
- How can I find a doctor in-network?
- You can search for in-network providers using our online portal or contact customer support to confirm your healthcare provider’s participation.
- Are there health plans that cover pre-existing conditions?
- Yes, all ACA-compliant plans must cover pre-existing conditions without additional fees or waiting periods.
- What happens if I miss open enrollment?
- If you miss the open enrollment period, you may qualify for a Special Enrollment Period due to life events like marriage or a job change.
- How does First Family Insurance handle mental health and wellness services?
- Many of our health plans include mental health coverage and access to telemedicine and wellness programs to support overall well-being.
2) Marketplace Insurance
- What is marketplace health insurance, and who qualifies?
- Marketplace insurance provides ACA-compliant plans for individuals and families, typically with subsidies for eligible participants based on income.
- Can I get financial assistance for a marketplace plan?
- Yes, premium tax credits are available based on your household income and family size.
- How do I choose between Bronze, Silver, Gold, and Platinum plans?
- Each tier balances monthly premiums and out-of-pocket costs differently, with Bronze plans having lower premiums but higher deductibles and Platinum plans offering the opposite.
- What is the difference between an HMO and a PPO marketplace plan?
- HMO plans require primary care physician referrals, while PPO plans offer more flexibility to see specialists without referrals.
- Can I change my marketplace plan mid-year?
- Changes are generally allowed during open enrollment unless you qualify for a Special Enrollment Period due to certain life events.
3) COBRA Insurance
- What is COBRA insurance, and how does it work?
- COBRA allows you to extend your previous employer-based health plan for up to 18 months, ensuring uninterrupted care.
- How much does COBRA coverage cost?
- You must pay the full premium (both employee and employer portions) plus a 2% administrative fee.
- Can COBRA be extended beyond 18 months?
- In some cases, such as disability, coverage may extend to 36 months.
- Is COBRA insurance available for dependents?
- Yes, dependents covered under your employer plan can also continue coverage through COBRA.
- How long do I have to elect COBRA after leaving my job?
- You have 60 days from receiving the COBRA notice to enroll.
4) Real Estate Insurance
- What types of health coverage are available for real estate professionals?
- We offer flexible individual and group health plans tailored to the needs of real estate agents.
- Can I get nationwide coverage as a real estate professional?
- Yes, our plans provide coverage across all states, ensuring uninterrupted access to care while traveling or relocating.
- Do health plans for real estate professionals include wellness programs?
- Many of our plans offer wellness and preventive services, including fitness incentives.
- Can I access telemedicine services through my plan?
- Yes, telemedicine consultations are included with most plans, giving you virtual access to healthcare professionals.
- Are there tax benefits for enrolling in these health plans?
- Yes, certain plans offer tax deductions for premiums paid, particularly for self-employed professionals.
5) Travel Nurse Insurance
- How does travel nurse insurance work?
- Our insurance plans are designed for mobile healthcare professionals, offering nationwide coverage to fit their changing assignments.
- What if I move states frequently? Will my coverage remain valid?
- Yes, your plan will stay active across state lines, ensuring seamless healthcare access wherever you work.
- Does travel nurse insurance cover temporary housing-related accidents?
- Some plans offer liability coverage or add-ons for travel-related risks, including accidents in temporary housing.
- Can I choose any doctor under travel nurse insurance?
- Depending on your plan, you may have access to a broad provider network, including specialists without referrals.
- Are there discounts for frequent travelers?
- Yes, certain plans offer rewards for frequent travelers, including reduced premiums and access to wellness benefits.
6) Dental Insurance
- What dental services are covered by First Family Insurance?
- Our dental plans cover preventive care, such as cleanings and exams, as well as procedures like fillings, crowns, and root canals.
- Is orthodontic treatment covered?
- Orthodontic coverage is available as an optional add-on or rider to certain plans.
- How often can I get a dental cleaning and exam?
- Most plans cover cleanings and exams once or twice per year.
- Can I use an out-of-network dentist?
- Some plans allow out-of-network care, but in-network providers usually offer the best benefits.
- Are cosmetic procedures like teeth whitening covered?
- Cosmetic services are generally not covered but may be available at discounted rates through certain providers.
7) Vision Insurance
- What does vision insurance cover?
- Our vision plans cover eye exams, glasses, contact lenses, and discounts on corrective surgery.
- How frequently can I replace glasses or contacts?
- Most plans allow new lenses or frames every 12 to 24 months.
- Is LASIK surgery covered under vision insurance?
- LASIK is typically not covered but may be available at a discounted rate with certain providers.
- Can I use an out-of-network eye doctor?
- Some plans offer partial reimbursement for out-of-network providers, but in-network care is more cost-effective.
- Are children’s vision services included?
- Yes, pediatric vision care is included in many plans, covering annual exams and glasses.
8) Small Business Health Insurance
- What health insurance options are available for small businesses?
- We offer group health plans with flexible coverage options to fit businesses of all sizes.
- Are there tax benefits for providing employee health insurance?
- Yes, small businesses may qualify for the Small Business Health Care Tax Credit.
- Can owners include themselves in the small business health plan?
- Yes, owners and their families can participate in the group plan.
- What is the minimum number of employees required to offer group insurance?
- Group plans typically require at least two employees, including the owner.
- Can I offer different plan options to my employees?
- Yes, we provide a range of plan types to fit the varied needs of your workforce.
Why Choose First Family Insurance?
At First Family Insurance, we’re committed to more than just offering coverage—we build personal relationships with every client. Our agents are advocates who understand your unique needs. With access to plans from leading insurers, we offer tailored solutions for individuals, families, and businesses. Whether it’s navigating COBRA, finding health coverage for self-employed professionals, or offering small business health solutions, we are here to make insurance stress-free. With a focus on compassion, resourcefulness, and reliability, we stand by your side every step of the way to ensure you’re never alone in your insurance journey.
Our goal is to provide a seamless, customer-first experience that gives you peace of mind, supported by knowledgeable agents and a wide array of coverage options.
Ready to Find the Right Coverage?
Our team at First Family Insurance is here to help you navigate every step of your insurance journey. Whether you need individual, family, or business coverage, we have personalized options to fit your needs. Speak with one of our expert agents today and get a custom quote in under 30 minutes. Don’t wait—secure peace of mind with the right coverage today!