Information
Welcome to the Health Insurance FAQs page for Orton Insurance Solutions. We understand that navigating health insurance can be confusing, especially for families and small business owners. Here you will find answers to common concerns about plan functionality and coverage options. We pride ourselves on offering personalized plans, options beyond "one-size-fits-all," and a no-pressure, fast, human, and accessible experience. Explore the frequently asked questions below to better understand your health insurance options.
Frequently asked questions
At Orton Insurance Solutions, we believe in simplifying health insurance for everyone. Here are some of the most common questions we receive, answered in a friendly and easy-to-understand way. Our approach is rooted in providing clarity and support, ensuring you feel confident in your health insurance decisions.
What are my premiums going to be?
Premiums vary depending on several factors, including your age, location, plan type, and coverage level. We'll help you find a plan that fits your budget. Contact us for a personalized quote!
What's the difference between HMO and PPO?
PPO plans offer more flexibility, allowing you to see specialists without referrals and use out-of-network providers at a higher cost. HMO plans are typically more affordable but require referrals and limit coverage to in-network providers.
The right choice depends on how much flexibility you want versus how much you want to save.
What is the difference between Private and Public Plans?
Public (Marketplace) plans guarantee acceptance and may offer income-based subsidies, but can be more expensive without them and often have limited networks. Private plans are offered outside the marketplace, may provide more flexibility and lower costs for some people, but typically require medical underwriting.
The right option depends on your health, income, and coverage needs.
Will my premiums increase if I get sick?
Generally, your premiums won't increase just because you get sick. However, premiums can change during open enrollment periods or due to market fluctuations. We'll explain how this works when we discuss your options.
What is my worst case scenario?
Understanding your out-of-pocket maximum is crucial. We'll explain your potential costs in a worst-case scenario, so you're prepared. We can also help you find coverage with peace of mind.
Ready to find the right plan?
Still have questions or want personalized guidance? Our team at Orton Insurance Solutions is here to help you navigate your health insurance options with ease. Book a consultation today, and let us find the perfect plan for you, with personalized service and no pressure.