FLC Insurance Services Inc., is an independent insurance agency that works for our customers to find the best coverage at the lowest price, with the most benefits available. Our agency is licensed in 5 states and adding new states each month as needed. Our National Broker and Agents are licensed in 25 states and are appointed with over 75 insurance carriers. This means that we offer most, if not all of the available plans.

Q: What is health insurance?
A: Health insurance is a policy that helps cover medical expenses like doctor visits, hospital stays, and prescriptions. It protects you from high medical costs and ensures access to quality healthcare.
‍Q: Why should I get health insurance?
A: Health insurance helps manage medical costs, provides preventive care, and protects against unexpected medical expenses. Many plans also offer financial assistance.
‍Q: How much does health insurance cost?
A: The cost depends on factors like your age, location, plan type, and whether you qualify for subsidies or tax credits.
‍Q: What is the difference between HMO, PPO, EPO, and POS plans?
HMO (Health Maintenance Organization): Requires you to use in-network doctors and get referrals for specialists.
‍PPO (Preferred Provider Organization): Allows you to see any doctor without referrals, but offers lower costs for in-network care.
‍EPO (Exclusive Provider Organization): Covers only in-network providers, except in emergencies.
‍POS (Point of Service): Requires referrals like an HMO but allows out-of-network care at a higher cost.

The primary difference between ACA (Affordable Care Act) plans purchased through the Marketplace and off-Marketplace plans is the availability of premium subsidies and cost-sharing reductions, which are only offered for plans purchased through the Marketplace (or Exchange). Here's a more detailed breakdown of the key differences:
‍ACA Marketplace Plans (On-Exchange):
Subsidies: Eligible individuals can receive premium tax credits and cost-sharing reductions (also known as "extra savings") to help lower their out-of-pocket costs.
‍Enrollment: Enrollment is typically limited to specific open enrollment periods, with special enrollment periods available for certain qualifying events. Coverage: Plans must meet ACA standards, including covering essential health benefits and not denying coverage or charging more based on pre-existing conditions.
‍Finding Plans: You can find and compare plans through the government-run Health Insurance Marketplace (or state-run marketplaces).
‍Plan Types: Plans are categorized into metal levels (Bronze, Silver, Gold, and Platinum) based on their cost-sharing arrangements.
‍Network: Plans may have different networks of doctors, hospitals, and other providers.

‍Off-Marketplace Plans (Off-Exchange):
No Subsidies: You won't be eligible for premium subsidies or cost-sharing reductions.
‍Flexible Enrollment: Enrollment is generally available year-round, offering more flexibility.
‍Coverage: While they must still meet ACA standards, off-exchange plans may offer more flexibility in coverage options and may not be required to cover all essential health benefits.
‍Finding Plans: You can find these plans directly from insurance companies or through brokers, outside of the Marketplace.
‍Plan Types: Plans may have different network structures and pricing, potentially offering more options than those available on the Marketplace. Network: Plans may have different networks of doctors, hospitals, and other providers.

No. We are paid a commission by the insurance carriers and that commission is set before we ever speak to a customer. Insurance Carriers typically issue their commission sheets a month before open enrollment. Whether your plan is $0/month or $1000 per month, we get the same commission. This is why we will always find you the best plan, coverage and benefits and only have your best interest in mind.

For health insurance, plans start the 1st of the month. Most Dental and Vision plans as well as Term life insurance, Accident insurance and Short Term Medical insurance will start within 1-2 business days. Whole and IUL Life insurance policies generally start after the underwriting period which is usually within 7-14 days depending on how quickly a customer completes their obligations. For a more comprehensive answer, please contact us today directly at (800) 459-5750 or make a virtual appointment with us for a time that is convenient for you by clicking here.