Frequently Asked Questions

• What does it cost to have MedPlan Hero help me find coverage?

  It costs you nothing, that’s why using our service is so valuable. Since most insurance companies pay agents and brokers, there’s no charge to the consumer. 100% free.

• Is There an Alternative to Marketplace/ACA/Obamacare?

  Yes, for some people, Marketplace plans are not the best option. There are many great private plans available to choose from that could be a better fit.

• Why would anyone want a short-term health plan?

  Lots of people end up needing a short-term option.
  Some of those reasons include:

  • Between jobs
  • Waiting for employer group coverage to start
  • Waiting for the next ACA open enrollment period to start
  • Extended travel outside of your local network
  • Retirees losing coverage, but not yet eligible for Medicare
  • A temporary or seasonal employee
  • A dependent who can no longer be covered by parents’ plan

• I own a small business but I can't afford health insurance for my employees. Are there any other benefits that I can offer them?

  Yes, there are a lot of ways to customize a benefit package for your employees.

• I have health insurance through my job already, can I just look at options for dental and vision?

  Yes, we can help you find the best dental and vision options, even if you don’t need a health plan.

• If I fill out the form, will I start getting telemarketing phone calls from people trying to sell me insurance?

  No, your privacy is important to us. The information you fill out on the form will go directly to the MedPlan Hero agent assigned to you, it will never be sold to third parties.

• I have a lot of prescription medications, does that count as a pre-existing condition?

  Not always, your agent can discuss with you in more detail about how pre-existing conditions are determined.