FAQ | TrueCare Health Insurance

Frequently Asked Questions

Q: How long does the enrollment process take?
Most people can review plans and get enrolled the same day after a quick call with us.
Q: What do I need to start comparing plans (and pricing)?
Just your ZIP code and the age(s)/gender(s) of everyone needing coverage. We take care of the rest.
Q: Is there a cost to use your service?
No—our guidance is completely free.

Q: What types of health insurance plans are available?
There are many options, including marketplace plans, short-term coverage, and private plans. We help you compare what fits your needs best.
Q: How do I know which type of plan is right for me?
It depends on your health needs, budget, and how often you visit providers. We’ll walk you through the pros and cons of each option.
Q: Can I still get coverage if I missed Open Enrollment?
Yes, in many cases. Private plans are available year-round, and you may also qualify for a Special Enrollment Period due to life changes.
Q: Are health plans customizable?
Some plans allow more flexibility than others. We can help you find one that offers the right mix of coverage, provider access, and affordability.

Q: Is dental and vision included in health insurance?
Not always. But we offer affordable dental and vision plans you can bundle or purchase separately.
Q: Can I add dental/vision coverage later?
Yes! You can enroll anytime.
Q: What if I only want dental or vision without medical?
Standalone dental and vision plans are available — they’re perfect if you’re happy with your current health coverage but want to add oral or vision care.
Q: Is there a waiting period for dental or vision benefits?
Many plans do include a short waiting period before certain services are covered, especially major procedures like crowns or dentures. Since the type of care and the timing can vary depending on the plan, we’re here to help you understand your options and what to expect from day one.

Q: Can I get coverage if I’m self-employed or a student?
Absolutely. There are flexible, cost-effective options specifically designed for independent workers and students.
Q: Do all family members need to be on the same plan?
Not necessarily. Depending on the situation, we can explore different plan combinations to suit each family member’s needs.
Q: What if I don’t go to the doctor often?
There are plans that prioritize catastrophic protection and low monthly premiums—ideal if you only need occasional care.

Q: Do I need a certain number of employees to offer health insurance?
Nope! There are no limits to offering coverage, whether you have 1 employee or 20. We’ll help you find plans that work for your team size and budget.
Q: How much does small business health insurance cost?
Costs depend on factors like your location, number of employees, coverage level, and ages. We’ll work with you to find options that fit your budget and still provide strong value.
Q: Do I have to pay the full premium for my employees?
No—most small business owners choose to split the cost with their employees. You can decide how much of the premium you want to contribute based on your goals and budget.
Q: Can I include dental and vision in my small business plan?
Absolutely. Many plans offer the option to bundle medical with dental and vision coverage to create a complete benefits package.

We're here to help you feel confident about your health coverage.

Whether you're looking for a personalized quote or just need some guidance, we're happy to chat!