Health Insurance FAQs
What is the ACA Marketplace?
The ACA Marketplace is a government platform where individuals and families can shop for affordable health insurance plans that meet federal standards.
Am I eligible for $0/month coverage?
You may qualify based on your income and household size. During your consultation, we’ll check your eligibility and help you apply.
What documents do I need to apply for health insurance?
Typically, you’ll need a government-issued ID, proof of income (pay stubs, tax return, etc.), and immigration status documentation (if applicable).
Can I still enroll if it’s not Open Enrollment?
Yes—if you qualify for a Special Enrollment Period due to a life event (e.g., job loss, new baby, moving), we can help you apply.
Do you offer dental or vision coverage?
Yes! We offer plans with dental and vision options. We’ll help you find the right fit based on your needs and budget.
Life Insurance FAQs
What’s the difference between term and whole life insurance?
Term life covers you for a specific period (10, 20, 30 years).
Whole life provides lifetime coverage and builds cash value over time.
Do I need life insurance if I’m young and healthy?
Yes. Premiums are lower when you’re young and healthy, making it an ideal time to lock in affordable coverage for long-term financial protection.
Can life insurance help with final expenses?
Absolutely. Many policies include or offer riders for funeral costs, medical bills, and other end-of-life expenses.
Medicare Insurance FAQs
When can I enroll in Medicare?
Initial enrollment begins three months before your 65th birthday and ends three months after. Special and annual enrollment periods are also available based on circumstances.
What’s the difference between Medicare Part A, B, C, and D?
Part A covers hospital care.
Part B covers outpatient and doctor services.
Part C (Medicare Advantage) combines A & B with extras.
Part D covers prescription drugs.
Can I get dental and vision with Medicare?
Original Medicare doesn’t cover dental or vision, but many Medicare Advantage plans do. We’ll help you explore your options.
Auto Insurance FAQs
Do I need auto insurance if my car is paid off?
Yes. Most states require liability insurance at a minimum. Even if your vehicle is fully paid off, insurance protects you from financial loss in case of accidents, theft, or damage.
What types of coverage are available for auto insurance?
Coverage types include liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments. We’ll help you select the best options based on your needs.
Can I get coverage if I have a poor driving record or need an SR-22?
Yes. We work with providers who offer coverage for high-risk drivers and can assist with filing SR-22 forms if required by your state.
Motorcycle Insurance FAQs
Is motorcycle insurance required by law?
In most states, yes. At a minimum, liability insurance is required. Additional coverages like collision, comprehensive, and gear/accessory protection are optional but recommended.
Does motorcycle insurance cover my gear or custom parts?
Standard policies may not cover gear, but optional coverage is available for helmets, jackets, saddlebags, and custom modifications.
Can I bundle motorcycle insurance with auto or home?
Absolutely. Bundling your motorcycle policy with other coverages often qualifies you for significant discounts.
What is considered a commercial vehicle?
Any vehicle used for business purposes—like pickups, work vans, box trucks, delivery cars, or food trucks—may require commercial auto insurance.
Does commercial auto insurance cover my employees?
Yes, if you include them on the policy. We can help you determine the best structure based on your team and operations.
Is personal auto insurance enough for my business vehicle?
Usually not. Most personal auto policies exclude business use. Commercial auto insurance ensures you’re covered during work-related trips or deliveries.
Commercial Insurance FAQs
Tax Services FAQs
What do I need for tax preparation?
Bring your ID, Social Security numbers for dependents, W-2s, 1099s, and any documents related to deductions or income.
Do you offer e-filing?
Yes — our tax partners provide fast and secure e-filing to help you get your refund as quickly as possible.
Can I file taxes if I don’t have a W-2?
Yes, if you’re self-employed or have other income sources, we’ll guide you through the process using 1099s or personal records.
Do you work with small businesses or self-employed individuals?
Absolutely. Our network of tax professionals works with sole proprietors, freelancers, and small business owners to manage taxes and support financial planning.
What is a form 1095-A, and why do I need it?
Form 1095-A is a Health Insurance Marketplace statement sent to individuals who enrolled in a Marketplace plan. It shows the coverage you had and any premium tax credits you received. You’ll need this form to accurately file your taxes and reconcile any subsidies with the IRS. If you had Marketplace coverage, bring your 1095-A to your tax appointment.
General FAQs
Do you offer bilingual support?
Yes! Services are available in English, French, and Haitian Creole.
What happens during a consultation?
We’ll discuss your specific needs, review your eligibility, answer your questions, and guide you toward the best options—no pressure, just support.
