Frequently asked questions
Good questions, straight answers.
The things people ask us most, about coverage, cost, and how working with an independent agent actually goes. Do not see your question? Ask us directly.
Working with Apex Health
What does using Apex Health Advisors cost me?
Nothing extra. The carrier builds the same agent commission into your premium whether or not you use an agent, so your price is identical either way. Because we are independent, we are not paid more to steer you to any one plan.
Are you independent, or do you work for one insurance company?
Independent. We are not captive to any single carrier and we are not a call center. We compare the major carriers in your area and recommend what actually fits you.
What states are you licensed in?
We are licensed in Arizona and Alabama today, and we are actively adding more. Not in your state yet? Reach out anyway and we will let you know the moment we can help there.
How soon will I hear from someone after I request a quote?
A licensed advisor reaches out the same day, usually within minutes during business hours. Submit after hours and we will reach you the next business day. Want to talk right now? Call 623-300-1717.
Can't I just buy insurance myself on HealthCare.gov?
You can, and sometimes that is the right move. But an advisor compares options you might miss, runs your subsidy math, checks that your doctors and drugs are covered, and handles the paperwork, at no extra cost. If the Marketplace on your own is your best fit, we will say so.
Will you pressure me to buy?
No. We present your options and either help you enroll or leave you a written proposal to think over. The decision is always yours.
Under-65 health insurance
What is the difference between an ACA plan and a short-term plan?
An ACA (Marketplace) plan is comprehensive major medical coverage that cannot deny you for pre-existing conditions and may qualify you for a subsidy. A short-term plan is lower-cost and flexible but is not ACA-comprehensive coverage, it is built to bridge a gap, not to be a long-term safety net.
Can I be denied for a pre-existing condition?
Not on an ACA plan, those cannot deny or rate you for health history. Private plans like short-term medical work differently and typically include a pre-existing condition clause, often for the first year. In fact, almost every private health plan has a pre-existing clause of some kind, which is exactly why it pays to shop with someone who knows the differences.
I'm healthy and just need something affordable for a few months. What are my options?
A short-term medical or fixed-benefit plan can be a good bridge for a healthy person between other coverage. We will be upfront that these are not ACA-comprehensive plans, and we will only put you in one if it genuinely fits your situation.
What is a fixed-benefit or indemnity plan?
It pays a set cash amount for covered services, like a fixed dollar amount per doctor visit or hospital day. It is often paired with other coverage to help with out-of-pocket costs. It is not ACA-comprehensive coverage on its own.
Can I get coverage for just my child?
Yes. We can help with a child-only policy either through the Marketplace or on the private side through carriers like Allstate. We will compare both routes and explain the tradeoffs.
I'm self-employed. What is my best path?
It depends on your income and health. We will run your ACA subsidy math first, since many self-employed people qualify for real savings, and compare that against private options so you can see the full picture.
Medicare
When should I enroll in Medicare?
Your Initial Enrollment Period is the seven months around your 65th birthday. There are also annual and special enrollment windows. Missing a window can mean lifelong penalties, so it is worth a quick conversation before your birthday.
What is the difference between Medicare Advantage and Medicare Supplement (Medigap)?
A Medicare Advantage plan becomes the way you receive your benefits, often with a low premium and extras like drug coverage built in, but with networks to consider. A Medigap plan works alongside Original Medicare to help pay what it leaves behind. We walk through which structure fits how you actually use care.
Will I lose my doctor if I change plans?
We check first. Before you switch anything, we confirm whether your doctors and hospitals are in the plan, so there are no surprises.
Do you help with Part D prescription drug plans?
We help you understand your Part D options and how to check your specific medications against a plan's formulary. For Part D enrollment we direct you to Medicare.gov, the official government site, where you can compare and enroll directly.
Is Medigap the same price everywhere?
Medigap plans are standardized, so a Plan G from one company covers the same as a Plan G from another. That means you can shop primarily on price and the company's reputation for the identical coverage. We do that comparison for you.
Small business & group
How small can my business be to offer coverage?
We work with businesses of many sizes, including very small teams and the self-employed. Reach out and we will tell you the best fit for your headcount and budget.
What is a level-funded plan?
It is a group health structure that can reward a healthier team with lower costs, while keeping more predictable monthly payments than fully self-funding. We compare it against traditional group plans so you see the real tradeoffs.
Can you reimburse employees for their own coverage instead of a group plan?
Yes. Arrangements like an ICHRA let you give employees tax-advantaged dollars to buy their own individual coverage. For some businesses it is simpler and more flexible than a traditional group plan, and we will tell you whether it fits yours.
Do you handle enrollment and renewals for my team?
Yes. We handle plan design, employee enrollment, the compliance basics, and renewals, and you get one point of contact who knows your group rather than a call center.
Your information & after you enroll
Will you sell my information or spam me?
No. We do not sell your personal information. We contact you only about your coverage and options, and you can opt out any time. See our Privacy Policy for the full details.
How do you record my consent to be contacted?
When you submit our quote form, we capture your consent along with a date, time, and the exact language you agreed to, and we keep that record with your file. It is there to protect you and us.
What happens at renewal each year?
We stay your point of contact. ACA and Medicare plans renew automatically, and we schedule a review during open enrollment to confirm your plan still fits before it rolls over. Private and supplemental plans vary by carrier, so we track your timeline and reach out when a review or re-enrollment is due.
What if I want to change or cancel my plan later?
Just call us. Depending on the plan and the time of year, there may be specific windows to make changes, and we will walk you through your options and timing so you do not get caught out.
Can I reach a real person, or is it all automated?
A real, licensed advisor. We are not a call center and we are not a bot. When you call or submit a request, a person who can actually help you handles it.
Ready to see your options?
Tell us a little about your situation and a licensed advisor reaches out the same day, usually within minutes during business hours. No spam, no obligation.
This is a solicitation of insurance. A licensed agent may contact you.