Is private PPO health insurance legit?
Absolutely. These are fully underwritten plans from top-rated national carriers — the same networks hospitals and doctors bill every day. The difference is you're medically underwritten, which is exactly why healthy individuals and families often pay 30–50% less than marketplace rates.
What if I have pre-existing conditions?
Tell us up front — that's what your dedicated advisor is for. Depending on your situation we'll match you with the right plan type, and if a private plan isn't your best fit, we'll tell you straight and point you to what is. Real advice beats a sales pitch every time.
Can I keep my own doctors?
With true PPO access you can see any doctor, anywhere in the country, no referrals required. Before you enroll, we verify your doctors and hospitals are covered — so there are zero surprises.
Do I have to wait for open enrollment?
No. Private plans enroll year-round — you can get covered any month, any week. Most clients are approved and active within days, not months.
What does it cost to work with you?
Nothing. Our advice, quotes, and annual plan reviews are free — we're paid by the carriers, not by you. You get a personal advisor for the life of your plan at no extra cost.
