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Q: What is the difference between an HMO and a PPO?

An HMO requires using a network of doctors and referrals for specialists. A PPO offers more flexibility to see out-of-network providers without a referral, usually at a higher cost.

Q: When can I enroll in a health insurance plan?

You can enroll during Open Enrollment in the fall, or qualify for a Special Enrollment Period if you experience a qualifying life event such as losing coverage, getting married, or having a child.

Schedule a consultation with our licensed insurance agents. Get advice on coverage that can protect you and your family's health and wellbeing.

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Why My Policy Partner

Why Choose Us for Health Insurance?

We make it simple to compare health coverage options and connect with agents who understand your healthcare needs.

Customized Plans

From individual to family coverage, we help you find a health plan tailored to your specific needs and budget.

Competitive Rates

Comparing options from multiple licensed agents helps you find strong health coverage at a price that works for you.

Licensed Agents

Our experienced licensed agents are available to answer your questions and guide you to the right coverage decision.

Coverage You Understand

We explain plan types, deductibles, and networks in plain language — so you know exactly what you're enrolling in.

Coverage Options

Types of Health Insurance Plans

Understanding your options helps you choose the right plan for your health needs and financial situation.

ACA / Marketplace Plans

Qualified health plans offered through the Health Insurance Marketplace. May qualify for premium tax credits based on income.

Short-Term Health Plans

Temporary coverage for gaps between employer plans, life transitions, or while waiting for other coverage to begin.

Family Health Plans

Comprehensive plans that cover the entire household — including spouse, children, and dependents under one policy.

Individual Plans

Health coverage tailored for a single person, offering flexibility in provider networks, deductibles, and premiums.

Dental & Vision

Supplemental plans that cover routine dental care, eye exams, glasses, and contacts — often not included in base health plans.

Fixed Indemnity Plans

Plans that pay a fixed cash benefit for covered healthcare events, helping offset costs not covered by your primary plan.

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We offer coverage across multiple insurance categories to meet your unique needs.

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Medicare

We offer information and customized guidance on Medicare insurance plans. Speak with a licensed agent to explore what options may be available to you.

(816) 280-9139 | TTY 711

Auto Insurance

Let us help you find the right auto insurance coverage to give you peace of mind on the road. We offer liability, collision, comprehensive, and more.

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Health Insurance

Take control of your well-being with health insurance that provides comprehensive coverage for medical expenses. Find a policy that prioritizes your health and your family's peace of mind.

(816) 280-9139 | TTY 711

Life Insurance

Find the right life insurance plan to ensure your loved ones are not burdened with unnecessary costs. Explore options that offer financial protection when it matters most.

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Solar

Make the switch to solar energy with confidence. We provide information and support to help you make informed decisions about your solar installation.

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Common Questions

Frequently Asked Questions

What is the difference between an HMO and a PPO health plan?

An HMO (Health Maintenance Organization) requires you to use a network of doctors and typically needs a referral to see a specialist. A PPO (Preferred Provider Organization) gives you more flexibility to see out-of-network providers without a referral, usually at a higher cost. Your best choice depends on your healthcare needs and how often you see specialists.

What is a deductible and how does it work?

A deductible is the amount you pay out of pocket for healthcare services before your insurance begins to share the cost. For example, if your deductible is $1,500, you pay the first $1,500 of covered services yourself. After that, your plan typically covers a percentage of your costs through co-insurance.

When can I enroll in a health insurance plan?

You can enroll during the annual Open Enrollment Period, typically in the fall for coverage starting January 1. Outside of Open Enrollment, you may qualify for a Special Enrollment Period if you experience a life event such as losing other coverage, getting married, having a child, or moving. Call us and we'll help determine if you qualify.

What is a life insurance policy?

A life insurance policy is a contract between you and an insurance company. In exchange for regular premium payments, the insurer pays out a sum of money after you pass away to the people you choose as beneficiaries — usually children, a spouse, or other family members.

Can I apply for Medicare if I'm still working?

Yes. Medicare eligibility is based on age or qualifying health conditions — not employment status. If you are 65 or older, you can enroll during the Initial Enrollment Period which begins three months before your 65th birthday, includes your birth month, and ends three months after.

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