Private PPO coverage, reviewed by a licensed advisor
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Health Insurance Terms, Explained Once

Premium, deductible, copay, coinsurance, network, underwriting — a plain glossary.

  • Pre-existing conditions covered
  • Enroll any day of the year
  • A licensed advisor, no pressure
  • No cost to talk it through
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Start with your state.

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Plans from nationally recognized carriers

Carriers include UnitedHealthcare, Aetna, Cigna, Blue Cross Blue Shield, Humana, Anthem, Allstate Health, Oscar.

At A Glance

What a private PPO can do that most plans can't.

Pre-existing conditions covered

An advisor tells you straight which plans will take your health history.

Enroll any day of the year

No six-week window. Coverage can start when you need it to.

Broad nationwide PPO networks

Keep your own doctor in most cases and stay covered across state lines.

Never sold to third parties

Your details stay with us and are never resold.

5 min read

Most confusion about health plans is vocabulary, not math. Here's the vocabulary.

The money words

These four describe everything you'll ever pay:

  • Premium — the monthly cost, whether or not you use the plan.
  • Deductible — what you pay before the plan starts sharing costs.
  • Copay — a fixed fee per visit or prescription.
  • Coinsurance — your percentage share after the deductible.

The access words

These describe where you can go and who decides:

  • Network — the providers who've agreed to the plan's rates.
  • In/out of network — whether a provider is on that list.
  • Referral — permission from a primary doctor to see a specialist.
  • Prior authorization — the carrier approving a treatment in advance.

The eligibility words

And these decide whether you can buy it at all:

  • Underwriting — the carrier reviewing your health history.
  • Guaranteed issue — acceptance regardless of health history.
  • Open enrollment — the annual window for marketplace plans.
  • Special enrollment period — a window opened by a life event.

General information only. Not insurance, tax or legal advice about your situation, and not a quote.

How It Works

Three steps, and you're never locked in.

  1. 01

    Tell us the basics

    State, household, pre-existing conditions and timing. About thirty seconds — no SSN, no date of birth.

  2. 02

    A licensed advisor reaches out

    Real options, real costs and the honest trade-offs, in plain English.

  3. 03

    You decide

    Enroll if it fits, or don't. No cost to talk and no obligation at any point.

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Next Step

See what you actually qualify for.

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Year-round enrollment

Private PPO plans are not tied to open enrollment.

Never sold

Your details are not passed to a lead list.

256-bit SSL encrypted

Your details are protected from the first click.

No cost, no obligation

Talking it through is free. You decide.

Step 1 of 5

Step 1 of 5

Let's find your coverage

Start with your state.

Secure & confidentialTakes about 30 seconds