Your First Five Questions for the Coverbrook Team

When you speak with a consultant at Coverbrook, we don’t expect you to be an insurance expert. That’s our job. However, to help us tailor the perfect “stack” for your specific situation, here are the five most important questions you should ask us during your consultation.

1. “Based on my health history, am I actually overcharged on the Marketplace?”

Most ACA plans assume everyone is at a high risk. If you are healthy, you are essentially subsidizing everyone else. We can help you look at your actual risk profile to see if moving to a free-market plan is a mathematically sound move for your bank account.

2. “How do I fill the Maternity or Pre-existing gap?”

Free-market plans are affordable because they don’t cover everything by default. If you are planning a family or managing a specific condition, ask us: “Is there a specific stack of plans that covers my risks while still keeping my premiums lower than the ACA?”

3. “Can you show me the Double-Stack math?”

Ask us to compare the cost of one high-priced Bronze ACA plan against a combination of a Short-Term Medical plan (for catastrophes) and a Fixed Indemnity plan (for day-to-day cash flow). Often, the combined cost is still significantly lower than the government option.

4. “What happens if the laws change next year?”

The regulatory environment for short-term plans can shift. Ask us about renewable options or bridge strategies that ensure you aren’t left without coverage if the federal or state rules change. We stay on top of the regulatory whiplash so you don’t have to.

5. “What is my Maximum Out-of-Pocket in a worst-case scenario?”

Insurance is about peace of mind. Whether you choose an indemnity plan or a short-term plan, we will walk you through the math of a worst-case event—like a major car accident—so you know exactly what your exposure is. No surprises.

Ready to See If You Qualify?

Stop overpaying for a risk profile that isn’t yours. Let’s look at the numbers together.