Answers before you have to ask

It depends on your expected household income for the plan year, your household size and where you live. We run the estimate with you before you pick a plan, and we correct it if your income changes mid-year.

We check each doctor against the plan network before you enroll, and again at renewal: networks change every year, quietly.

If you go 63 days or more without creditable drug coverage after becoming eligible, Medicare adds a permanent surcharge to your Part D premium. It does not go away.

Usually only during AEP (Oct 15 to Dec 7) or, if you are already in an Advantage plan, once during MA OEP (Jan 1 to Mar 31). Some life events open a Special Enrollment Period.

Not always. Many term and final-expense products issue on simplified underwriting: a health questionnaire and a prescription check instead of an exam.

Riders that let you draw on your own death benefit while you are alive, if a covered critical, chronic or terminal illness is certified by a physician. The money is paid to you and you decide what it is spent on. Whatever you take is subtracted from what your beneficiaries receive later.

Sometimes. Terminal-illness acceleration is included at no extra premium on many policies, while critical and chronic riders are often an added cost. We quote it both ways so you can see what the rider is actually worth to you.

Most policies have a grace period of about 30 days and stay in force during it. After that the policy lapses, and putting it back can mean new health questions at your current age. Call us before the due date, not after.

Only with a qualifying life event: losing coverage, moving, marriage, a birth or an income change that affects eligibility. Call us as soon as it happens: most special enrollment windows are 60 days.

No. Our service is free to you.

Subsidised Marketplace plans have a three-month grace period; most other plans have 30 days. Call us the moment you know. Reinstating is far easier than re-enrolling.