Frequently Asked Questions
Working With an Insurance Agent
Q: Does it cost anything to use an insurance agent in Michigan?
A: No. Working with Zimmer & Associates does not cost you anything. Our services are provided at no cost, and we are compensated by insurance carriers, not our clients.
Q: Do I need an insurance agent to enroll in health insurance?
A: No, an insurance agent is not required to enroll. However, an agent can help explain coverage options, compare plans, and answer questions before or after enrollment.
Q: Is Zimmer & Associates a local insurance agency?
A: Yes. Zimmer & Associates is a locally owned insurance agency located in Reese, Michigan, serving individuals, families, and businesses throughout the surrounding areas. Including but not limited to Saginaw, Midland, Bay City, Caro, Vassar, Millington, Frankenmuth, Flint, Birch Run, Sandusky, Freeland…etc.
Health Insurance & Marketplace
Q: What is the Health Insurance Marketplace?
A: The Health Insurance Marketplace is a government-run website where individuals and families can compare and enroll in ACA-compliant health insurance plans, often with access to income-based subsidies that can lower monthly premiums.
Q: Can I enroll in Marketplace health insurance online?
A: Yes. You can enroll online through the official Health Insurance Marketplace using our external enrollment link.
Q: Will I still qualify for subsidies if I enroll on my own?
A: Yes. Eligibility for Marketplace subsidies is based on household income and other factors, not whether you enroll independently or with an agent.
Q: Can an insurance agent help after I enroll through the Marketplace?
A: Yes. Even if you enroll on your own, Zimmer & Associates can help answer questions, review coverage, and assist with plan-related concerns.
Q: What is a Special Enrollment Period for health insurance?
A: A Special Enrollment Period allows you to enroll in or change health insurance outside of Open Enrollment due to qualifying life events such as marriage, birth of a child, loss of coverage, or relocation.
Q: Can you help me determine if I qualify for a Special Enrollment Period?
A: Yes. We can help determine if your situation qualifies for a Special Enrollment Period and guide you through the next steps.
Group Health Insurance
Q: How many employees are required for group health insurance?
A: Group health insurance may be available for businesses with as few as one eligible employee, depending on the business structure and circumstances.
Q: Is group health insurance better than individual health insurance?
A: In many cases, group health insurance offers broader benefits and more competitive rates than individual plans. We help compare options to determine the best fit.
Medicare
Q: Do I need to enroll in Medicare if I am still working?
A: It depends on your employer coverage and company size. We help individuals understand Medicare enrollment rules to avoid late penalties.
Q: Can I change my Medicare plan after enrolling?
A: Yes. Medicare plans can be changed during certain enrollment periods, including the Annual Enrollment Period and qualifying Special Enrollment Periods.
Life Insurance
Q: How much life insurance coverage do I need?
A: The amount of life insurance needed depends on income, debts, family needs, and long-term goals. We help determine appropriate coverage based on your situation.
Disability Insurance
Q: What is disability insurance?
A: Disability insurance provides income protection if you are unable to work due to an illness or injury, helping replace a portion of your income during that time.
Q: Who should consider disability insurance?
A: Disability insurance is especially important for working individuals, business owners, and self-employed professionals who rely on their income to cover everyday expenses.
Q: How much income does disability insurance replace?
A: Most disability insurance policies replace a percentage of your income, typically between 50% and 70%, depending on the policy and carrier.
Medicaid Assistance
Q: Can an insurance agency help with Medicaid applications?
A: Yes. Zimmer & Associates assists clients with Medicaid planning, eligibility questions, and the application process.
Additional Questions
Q: Can Zimmer & Associates help me decide if annuities or disability insurance are right for me?
A: Yes. We offer no-cost consultations to help determine whether annuities or disability insurance fit your financial and income-protection goals.
Q: Who should I contact if I have questions about my insurance options?
A: If you have questions about health insurance, Medicare, life insurance, or Medicaid, contact Zimmer & Associates for a no-cost consultation.
If you have further questions or need personalized assistance, please don’t hesitate to contact us at 989.868.4291 or by email izimmer@zimmer.agency
