Frequently Asked Questions
Find answers to common questions about health insurance
General Questions
How much does Plan Finder USA’s service cost?
Our service is completely free! We’re compensated by insurance carriers when you enroll in a plan, not by you. There are no hidden fees or charges.
How long does it take to find a plan?
Most people find the right plan in just 2-3 minutes. Answer a few basic questions about your location, age, and health needs, and we’ll show you personalized options from multiple carriers.
Are your agents really licensed?
Yes! All our agents are fully licensed insurance professionals. We maintain strict compliance with state and federal regulations. Our NPN is #16007713.
Can I apply online or do I need to call?
You can start online and get results immediately. If you want personalized guidance, our agents are available 24/7 to answer questions and help you enroll.
Coverage Questions
What types of plans do you offer?
We work with multiple carriers offering HMO, PPO, EPO, and HDHP plans. We also help with Medicare Advantage, ACA plans, and short-term coverage options depending on your needs and eligibility.
When does coverage start?
Coverage can often start on the first of the following month or as soon as your application is approved. Some plans offer coverage with different effective dates depending on enrollment timing and plan type.
Can I use my current doctors?
It depends on your plan type. PPO and HDHP plans usually offer more flexibility to see out-of-network doctors. HMO plans typically require you to stay within their network. We’ll help you find plans that include your preferred providers.
What about pre-existing conditions?
All ACA-compliant plans must cover pre-existing conditions with no exclusions or waiting periods. We help you find plans that provide comprehensive coverage for your specific health needs.
Still have questions? Our agents are here to help!