Q&A
The Questions Everyone Actually Asks.
No fine-print runaround. If you don't see your question here, a licensed agent is one call away.
questions? quick answers
Tap a question. Get the answer.
Pick a question to start the conversation.
- What does it cost to use CoverageCo?
- Nothing. Our help is completely free to you, we're compensated by the insurance carriers, so you get a licensed agent at no cost.
- What kind of plans can I get?
- Our specialty is individual and family health plans through the Health Insurance Marketplace. We also help with Medicare (Advantage, Supplement, and Part D), life insurance, and supplemental coverage like dental and vision, one agency, one agent, every chapter.
- Do you handle Medicare?
- Yes. If you're turning 65, or already on Medicare and wondering if your plan still fits, a licensed agent will walk you through Medicare Advantage, Medicare Supplement, and Part D options we're appointed to sell, with zero jargon.
- Could I qualify for lower premiums?
- Many households do. Whether you qualify, and for how much, depends on your income, household size, and location. We'll help you check quickly.
- Can I keep my doctor?
- Often, yes, it depends on the plan's network. We'll help you check that your doctors and prescriptions are covered before you enroll.
- When can I enroll?
- During Open Enrollment, or any time you have a qualifying life event (like a move, marriage, new baby, or loss of coverage) that opens a Special Enrollment Period.
- How fast can I actually get covered?
- Usually in one call. Once we have your ZIP, household, and the doctors you want to keep, a licensed agent compares plans with you, applies any savings you qualify for, and submits the enrollment while you're on the line. ID cards come from the carrier, typically within a week or two.
- Do I have to talk to someone to see prices?
- You can see plan matches online after a few quick questions. A licensed agent confirms the final price with the carrier, because your network, savings, and household details change what you actually pay. That confirmation is what keeps surprises off your first bill.
- I'm self-employed. What are my options?
- Marketplace plans were built for exactly this. Your savings are based on your income, not your job title, and we help you estimate that income honestly so you don't owe anything back at tax time. Dental, vision, and accident coverage can ride along on the same call.
- What if I missed Open Enrollment?
- A qualifying life event, like a move, a marriage, a new baby, or losing other coverage, opens a 60-day Special Enrollment Period. If you don't have one, we'll look at the options that are open to you right now and tell you straight which ones are worth it.
- What happens after I enroll?
- You keep the same agent. We review your renewal before it hits, handle life changes like a move or a new baby, and pick up when a claim or a bill doesn't make sense. That's the part most people never get from a website.
- Can you help me switch plans or carriers?
- Yes. If your current plan stopped fitting, we compare it against everything you're eligible for, and we only move you if the switch is actually better for your doctors, your prescriptions, and your budget.
- Is CoverageCo part of the government?
- No. CoverageCo (The Coverage Company) is a private, licensed insurance agency. We are not affiliated with or endorsed by the U.S. government, the federal Health Insurance Marketplace, Healthcare.gov, or any state or federal agency.
Get covered in minutes, looked after all year
Licensedagents with a license number
Most majorcarriers, compared in one view
One agentat enrollment and at renewal
Savingschecked before you pick
Direct lineto the agent who enrolled you
All yearrenewals reviewed before they hit
Licensedagents with a license number
Most majorcarriers, compared in one view
One agentat enrollment and at renewal
Savingschecked before you pick
Direct lineto the agent who enrolled you
All yearrenewals reviewed before they hit
Licensedagents with a license number
Most majorcarriers, compared in one view
One agentat enrollment and at renewal
Savingschecked before you pick
Direct lineto the agent who enrolled you
All yearrenewals reviewed before they hit
Licensedagents with a license number
Most majorcarriers, compared in one view
One agentat enrollment and at renewal
Savingschecked before you pick
Direct lineto the agent who enrolled you
All yearrenewals reviewed before they hit