Health insurance help with a friendly voice
Self-employed, between jobs, starting a family or just unsure where to start? A licensed BetterMe Care advisor will listen, answer your questions in plain language and help you understand the coverage choices available to you.
Missing open enrollment doesn't always mean waiting a whole year. Losing job-based coverage, moving, getting married or having a baby can open a special enrollment period, and those windows are usually short, so it helps to reach out soon after a life change.
How it works
We keep things relaxed. You set the pace, and we make sure every question gets a clear answer.
Fill out a short form with your name and the best way to reach you. It only takes a minute.
We call at a time that suits you, listen to what matters most and explain how health coverage works for your situation.
Take the time you need. When you are ready, your advisor can help you with the enrollment steps.
Eligibility
Life changes often open a door to new coverage choices. If any of these sound like you, it's a good time to talk.
You work for yourself or run a small business without a group plan
You left or lost a job and your work coverage is ending
You are leaving the workforce early and need coverage of your own
You recently got married, had a baby or adopted a child
You moved to a new area or state
You are coming off a parent's health plan and need your own
You want dental or vision coverage for yourself or your family
You want supplemental, accident or critical-illness coverage alongside your plan
Mark your calendar
Individual and family health plans have set windows for signing up and making changes. Here's a quick guide to each one.
Each year, for individual and family health plans, you can:
You may qualify for an SEP if you:
Many of these plans are not tied to a window:
A good time each year to:
Why people call us
Health insurance has a lot of moving parts. We slow it down, skip the jargon and stay with you until it makes sense.
Every advisor is licensed and trained to explain health coverage clearly and kindly.
We translate deductibles, copays, coinsurance and covered providers into everyday words.
No rush and no pressure. Ask as many questions as you like.
Reach us from 8 a.m. to 8 p.m., weekends included.
A few notes from people we've helped get comfortable with their health coverage.
"I put off finding my own health plan for months after I went freelance because it felt overwhelming. My advisor at BetterMe Care was so warm and patient that I actually looked forward to our calls."
"They explained deductibles and copays in a way my wife and I finally understood. No rushing, no sales talk, just straight answers to every question we had."
"When my work coverage ended I had no idea what to do next. One phone call with BetterMe Care and I knew exactly which enrollment window applied to me."
Questions
Your deductible is what you pay for covered care before your plan starts sharing costs. A copay is a set amount for a visit or prescription, and coinsurance is the percentage of a bill you pay after the deductible. An advisor can walk you through how these work together on any plan you are considering.
Individual and family plans have an open enrollment period each fall. Outside that window, a qualifying life event such as losing job-based coverage, moving, getting married or having a baby may open a special enrollment period. Dental, vision and many supplemental plans can often be applied for any time of year.
No. There is no fee to request a call or ask questions. Any costs would come from a plan you decide to enroll in, and you are never obligated to enroll.
Supplemental plans, such as accident or critical-illness coverage, are designed to sit alongside your main health plan and can help with out-of-pocket costs after a covered event. They do not replace a major medical plan.
It depends on the coverage you choose. Your advisor can help you check whether your doctors and pharmacies work with a plan before you make any decision.
Share a few details and a licensed BetterMe Care advisor will reach out to talk through your health coverage questions.
8 a.m. - 8 p.m., 7 days a week