Anthony Dorshak
CEO | Dorshak Insurance
Frequently Asked Questions
No one teaches us about health insurance, just like taxes! I'm here to educate first, and from there I will present everything that is available to you and your family. We can even compare with your current plan to determine if it's even worth it to switch plans.
Different Types of Health Insurance Plans
ACA/Obamacare Plans
These are major medical coverage that you cannot be denied for due to any pre-existing conditions. It is affordable IF you get a government subsidy on the monthly premiums. If you aren't getting that discount, it is way more expensive than most plans out there.
Employer Plans
These are AMAZING for the employee themselves but they can get really expensive when you start adding family members onto the policy. This is because employers are contributing a portion to only the EMPLOYEE; family members are stuck paying full price.
Private Plans
These are health-based so there is an approval process and not everyone can qualify.
Because you're relatively healthy, you're getting preferred rates so it is cheaper than most plans with better coverage
Short-term Plans
These plans are designed to bridge the gap between plans (under 3 months) and protect you in the event that something major were to happen to you or your family. These are typically the cheapest plans but don't cover day-to-day services.
"I thought I could only enroll into a plan during Open Enrollment?"
This is only for ACA/Obamacare plans. Private insurance is available year-round for enrollment.
"Am I locked into a plan once I enroll?"
The only plans you are typically locked into are large-group employer plans. Private plans do not have any year long contracts
"What do you charge for your services?"
Nothing! I'm are happy to help, even if that means I tell you to keep your current plan.
"Isn't private insurance super expensive?"
It is actually much more affordable than you would think!
"Do you only help with health insurance?