What is private health insurance?
Private health insurance is coverage purchased outside of government programs like Medicare or Medicaid. These plans — especially PPO networks — offer greater flexibility, wider provider access, and year-round enrollment. They're ideal for individuals, families, and the self-employed who want control over their healthcare.
What's the difference between PPO and ACA plans?
PPO plans offer maximum flexibility: no referrals, nationwide coverage, and year-round enrollment. ACA (Marketplace) plans have enrollment windows but may offer income-based subsidies. We help you compare both to find which saves you more and fits your lifestyle.
Can I get covered with a pre-existing condition?
Yes. ACA Marketplace plans cover pre-existing conditions immediately. Private plans may have a 12-month waiting period for some conditions, but most plans cover them after that period. We'll review your situation and find the best fit for your health history.
Do I need a medical exam to apply?
In most cases, no. Many of our health, dental, and life insurance policies require only a simple application and basic health questions — no physical exam needed.
How much will my premiums cost?
Premiums vary based on your age, coverage level, and plan type. Private plans are highly customizable — you can select deductibles and benefit tiers that fit your budget. Call or contact us for a free, no-obligation quote tailored to your situation.
Can my whole family be covered under one plan?
Absolutely. We offer both individual and family coverage options for health, dental, vision, and life insurance. We'll find a single plan that protects everyone under your roof at the best available rate.
Do you only serve Florida residents?
Not at all. While we're based in Cape Coral, FL, Jordan is licensed in 20+ states. Whether you're in Fort Myers, Cape Coral, Naples, or somewhere across the country, we can help. Coverage works nationwide.
What if I lose my job-based coverage?
Losing employer coverage is a qualifying life event — you don't have to wait for open enrollment. You typically have 60 days to enroll in a new ACA or private plan. Call us right away and we'll get you covered without a gap.
How long does it take to get covered?
Many private plans can take effect within 24-72 hours of approval. ACA plans typically start the 1st of the following month. We'll lay out a clear timeline based on the plan you choose.
Will my doctor be in-network?
In most cases, yes — especially with PPO plans, which have wide nationwide networks. We can verify your specific doctor and preferred hospitals before you enroll, so there are no surprises.
What does it cost to work with you?
Absolutely nothing. Our services are 100% free to you — we're paid by the insurance carriers, not by clients. You get expert guidance, plan comparisons, and ongoing support at zero cost.
