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Know What You Need
Your needs come first - use this checklist to think through doctors, prescriptions, and specialty care.
Compare Plan Types and Costs
Break down PPO vs HMO, in-network vs out-of-network costs, deductibles, and more.
Be Ready with the Right Info
Social Security numbers, current coverage, prescriptions, and key questions - all in one prep list.
What's Inside the Health Insurance Checklist
A clear breakdown of what coverage you actually need
A simple way to compare HMO vs PPO and out-of-pocket costs
Smart prep list: your doctors, meds, documents, and more
Help estimating monthly budget and maximum expenses
Questions to ask before enrolling
A roadmap to feel more confident (and avoid overpaying)
Frequently Asked Medicare Questions
Each insurance provider has a searchable list of in-network doctors. Use the checklist to identify your preferred doctors first, then compare against each plan’s provider directory.
Yes - Medicare applies penalties if you miss your Initial Enrollment Period (IEP) without qualifying coverage. For Part B, that penalty can stick with you for life and grow the longer you wait. 📅 The checklist helps you identify your exact IEP and whether any delay could cost you. It also outlines how to appeal if you think you've been unfairly penalized.
If you expect regular medical care or prescriptions, a lower deductible may save you money over time. If you’re healthy and want lower monthly premiums, a higher deductible plan might be a better fit.
Yes - if your income falls within certain ranges, you may qualify for cost-sharing reductions or premium tax credits through the ACA Marketplace. The checklist walks you through how to check eligibility.
Most ACA-compliant health plans cover things like annual check-ups, screenings, and vaccines at no additional cost when delivered by in-network providers.
Many plans now include telehealth options as part of their core benefits. If this is important to you, the checklist helps you compare plans that offer virtual visits and mental health services.
You can enroll during Open Enrollment (usually Nov 1–Jan 15) or during a Special Enrollment Period if you’ve had a qualifying life event (like job loss or marriage). Darren can help you check if you qualify.
Absolutely. Choosing the right health insurance can be confusing, and you don’t have to figure it out alone. You can click on the button below to schedule a free 15-minute call with Darren to ask questions, compare plans, and feel confident in your next step - no pressure, just expert guidance.