Frequently Asked Questions (FAQ)

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1. What is the ACA, and who qualifies?

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The Affordable Care Act (ACA) provides affordable health insurance options for individuals and families. Eligibility depends on household size and estimated yearly income. Our licensed agents can review your situation to find out if you qualify for zero or low-dollar monthly premiums.

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2. How does Medicare work, and when can I enroll?

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Medicare is federal health insurance primarily for people aged 65 or older, as well as certain younger individuals with disabilities. Enrollment periods vary—such as your Initial Enrollment Period around your 65th birthday or the Annual Election Period. We help you navigate these windows so you never miss a deadline.

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3. What is the LIS (Extra Help) program for Medicare?

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The Low-Income Subsidy (LIS), also known as Extra Help, is a federal program that helps pay for Medicare Part D prescription drug coverage costs, including monthly premiums, annual deductibles, and co-pays. Our team can help you check your eligibility and guide you through the application process to maximize your savings.

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4. Is there any cost for your advisory services?

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No, your assessment is completely free. We provide professional, personalized guidance at no cost to you, helping you compare plans from the nation's largest carriers to find the right fit for your budget.

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5. In which states do you offer coverage, and which carriers do you work with?

National Aid provides licensed insurance support and expert guidance tailored to your local healthcare regulations across 10 states, including Florida, South Carolina, Texas, Georgia, North Carolina, Michigan, New York, New Jersey, Ohio, and Pennsylvania. To ensure you get the right coverage for your needs and budget, we partner with the nation's leading carriers, including UnitedHealthcare, Aetna, Cigna, Molina Healthcare, Ambetter, Oscar, and AvMed.

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6. What are the key enrollment periods I need to know about?

For ACA plans, the Open Enrollment Period typically runs from November 1 through January 15 in most states. For Medicare, the Annual Election Period (AEP) runs from October 15 to December 7 each year. Missing these windows can limit your options, which is why our team tracks every deadline closely.

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7. Can I enroll or change plans outside of the standard enrollment windows?

Yes, if you experience a Qualifying Life Event (such as moving to a new state, marriage, loss of other coverage, or changes in household income), you may qualify for a Special Enrollment Period (SEP). Our agents help you determine your eligibility right away.

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8. What information do I need to provide to get started?

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To give you an accurate assessment, we typically look at your household size, estimated yearly income, current zip code, and any specific doctors or prescriptions you want to keep covered. The process is fast, secure, and entirely guided by our licensed professionals.

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9. How do I get in touch with an agent to review my options?

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You can speak with a licensed expert immediately by clicking the "Call Now" button on our website or by filling out a quick contact form. We are ready to walk you through your options step-by-step with zero pressure.