Frequently asked questions

Do I need a referral with my insurance or can I go directly to the specialist?

Depending on whether your plan is HMO or PPO. HMOs like Aetna need referrals, but PPOs like Oscar do not.

What happens if I can't pay my insurance?

The health marketplace gives a grace period of up to 90 days, they will not cancel your insurance for that time.

Is Obamacare for low-income people?

No, everyone can get insurance through the health marketplace whether they are subsidized or not, through this system you get better prices, better benefits, and up to 90 days of grace in case of non-payment.

Does it cover physical therapy or chiropractor?

All individual and group plans include coverage for physical therapy. Some individual market plans sold through the health insurance marketplaces include coverage for chiropractic services, but many do not. It depends largely on where you live, as different states have different rules.

or Call 786-342-9735

Do you still have questions?