We speak Ukrainian, Russian and English.

Our headquarters is located in Matawan, NJ. Our office hours are typically 9:00 AM to 5:00 PM EST, Monday to Friday.

It’s not necessary to meet in the office. We offer consultations by phone or online for your convenience. You can submit all documents securely online, and rest assured that your information will be kept confidential. We guarantee the security of your personal and financial data.

No, we do not charge any fees. All our agents services are completely free of charge. We work based on commissions, which are paid by the carriers.

The best health insurance depends on your personal needs, budget, and healthcare requirements. Factors like network of doctors, prescription drug coverage, premium and out-of-pocket costs should all be considered. For many, plans offered through the Health Insurance Marketplace are good options. It’s helpful to compare different plans based on your healthcare needs and financial situation.

Yes, as a Temporary Protected Status (TPS) holder or United for Ukraine program (U4U), you may qualify for health insurance through the Health Insurance Marketplace or Medicaid, depending on your income and state of residence. For life insurance, eligibility varies by provider, but you may be able to apply for coverage.

Yes, if your income or qualifying life event changes during the year, you may be able to update your health insurance. Qualifying life events include changes like marriage, divorce, the birth of a child, loss of other coverage, or moving to a new state. Please contact us within 30 days of the change. Keep in mind that any change could affect your policy, including premiums, coverage, or eligibility for subsidies.

Form 1095-A is a health insurance statement provided by the Health Insurance Marketplace. It reports the details of your health coverage, including the months you were covered, the premiums paid, and any premium tax credits you received. You’ll need this form when filing your taxes to accurately report your health insurance and claim any applicable subsidies or tax credits.

While insurance premiums may seem high, having health insurance helps protect you from high medical costs in case of illness, injury, or emergencies. It also provides access to regular care, preventive services, and discounts on medications. Plus, if you qualify for subsidies through the Marketplace, you may be able to reduce your premium costs. Having insurance can save you money and provide peace of mind in the long run.

To project your annual income for a health insurance application, add up all sources of income you expect to receive in the year, including wages, self-employment income, unemployment benefits, and any other taxable income. If your income varies, use an average from the past few months or the amount you expect to earn in the upcoming months, then adjust for the full year.

For W2 employee cases, you should report your gross income before taxes or deductions. For 1099 and self-employed income, the final figure you report may be adjusted after deducting business expenses. Contact your tax accountant for guidance on how to best calculate and report your projected income, especially if you are self-employed or have business expenses.

Your tax return is important for health insurance through the Marketplace because it helps determine your household income and size, which are used to calculate your eligibility for subsidies, Medicaid, or other financial assistance. The information on your tax return ensures that you receive the correct amount of help with premiums and out-of-pocket costs.

You must file taxes to report your subsidies and confirm that you have no income. Filing helps ensure that your health insurance subsidies, if applicable, are accurately calculated and that the Marketplace has the correct information about your income.

Dental and vision coverage is typically not included in standard health insurance plans. However, some health insurance plans offer dental and vision as optional add-ons. If they are not included, you can purchase separate dental and vision insurance for yourself and your family. It’s a good idea to compare different options to find the best coverage for your needs.

Medicaid (also known as Medical in California) is a government program that provides health coverage to low-income individuals and families. It is funded jointly by the federal government and states, and eligibility varies by state. Medicaid covers a wide range of services, including doctor visits, hospital stays, prescription medications, and preventive care. Under the Affordable Care Act (ACA), many states expanded Medicaid to provide health coverage to more low-income adults who weren't previously eligible. This has helped millions gain access to healthcare, making it more affordable for those in need.

As a new green card holder, you may not be eligible for Medicaid right away, as most states require you to have lived in the U.S. for at least 5 years. However, you can apply for health insurance through the Health Insurance Marketplace at any time. Depending on your income, you may qualify for subsidies or other assistance.

Yes, you may qualify for other affordable health insurance options through the Health Insurance Marketplace based on your new income level.

No, you should not ignore an unknown letter, especially if it’s related to health insurance, taxes, or government programs. It's important to verify the legitimacy of the letter. If you're unsure, it's always best to seek advice from a trusted professional. Our team will assist you in verifying its legitimacy and help you understand any necessary actions you need to take.

Life insurance provides financial protection not only in the event of death but also if you become seriously ill. It can help cover funeral costs, outstanding debts, and living expenses for your family. Additionally, some life insurance policies offer living benefits, which allow you to access a portion of the death benefit if you become critically ill. This can help with medical bills, treatment costs, and other financial needs while you're recovering, ensuring you and your loved ones are supported during tough times.

Out-of-pocket costs are the money you pay for health care services that aren’t covered by your health insurance. This includes things like deductibles, copayments, and coinsurance. These costs are your responsibility, even if you have health insurance.

Yes, life insurance companies may review your medical records as part of the approval process, especially for policies that require a medical exam. They may also ask you health-related questions on the application. The ease of approval depends on factors like your age, health, and the type of policy you apply for. If you’re generally healthy, approval can be straightforward, but if you have pre-existing conditions, it might take longer or result in higher premiums. Some policies, like guaranteed issue or no-exam life insurance, may not require medical records or exams, but these often come with higher premiums or lower coverage amounts.

Yes, if you quit smoking and can prove you've been smoke-free for a certain period (usually 12 months or more), you may be eligible for lower premiums. Many life insurance companies offer discounts to non-smokers, so quitting smoking can result in significant savings on your policy over time. It's a good idea to inform your insurer once you’ve quit, as they may require documentation to adjust your premium.

An inspection may be required for home insurance, depending on the insurer and the condition of the property. Some insurers require a home inspection to assess the risk and ensure the property meets their coverage standards. However, many insurers offer coverage without a mandatory inspection, especially for newer or well-maintained homes.

Adding teenager to your policy is often more affordable than having them apply for their own. However, if they apply for their own policy, they may face higher premiums due to their age and driving experience. It's a good idea to compare quotes and ask about discounts for good grades, driver’s education courses, or safe driving habits.