How It Works
How Eligibility Works
Checking your eligibility for a private PPO plan takes about 60 seconds and carries zero obligation. Here is exactly what happens at each step, so there are no surprises.
Step 1: The 60-second check
You share your first name, phone number, zip code, and an optional email. That is enough for a licensed insurance advisor to see which private PPO options exist for your area and your situation. By submitting, you agree to be contacted by a licensed insurance advisor about your options. Your information is secure and will never be sold.
Step 2: An advisor reviews your profile
A licensed advisor reviews your information and reaches out with your personalized PPO options, typically within 24 hours. This is a no-pressure conversation: you can ask about doctors, prescriptions, costs, and timing, and take whatever time you need to decide.
Step 3: Underwriting sets your rate
Private PPO plans are underwritten, which means the insurer reviews your health profile as part of the application. Healthy people pay less, because their rate reflects their own risk. If a private plan is not the right fit for your health situation, the advisor will tell you that plainly and point you toward the marketplace instead.
Step 4: Coverage starts
There is no open enrollment period to wait for. Once you are approved and you choose a plan, coverage can start as soon as the first of the following month. From there, you use your plan like any PPO: see any doctor or specialist who accepts your insurance, no referrals needed.