Health Insurance Made Easy!

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Welcome to the world of BEttER, where we look to simplify the way you get health insurance.
No forms. No mess. Call now for a fast and free quote from a licensed agent!

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Important Note!
Don't forget to mention.

When speaking with your insurance agent, be sure to discuss and mention the following points:
  • Deductibles

    A deductible is the amount you pay annually before your insurance covers expenses. For example, a $3,000 deductible means you pay that amount before full coverage begins. If you have dependents, there will be separate individual and family deductibles, with the latter typically higher.
  • Coinsurance

    Coinsurance is the percentage you pay for covered medical expenses after meeting your deductible. For instance, an "80/20" plan means your insurance covers 80% and you pay 20% until reaching the maximum out-of-pocket limit. Note that coinsurance only applies to covered services, so any expenses for services not covered are your responsibility.
  • Copay

    Copays are set amounts you pay for medical services. They can vary based on the type of care you receive. Copays typically apply to office visits, specialist visits, urgent care, emergency room visits, and prescriptions. Your copay applies regardless of whether you've met your deductible. For instance, if you have a $50 specialist copay, you'll pay that amount for a specialist visit, regardless of your deductible status.
  • Out-of-Pocket Maximums

    Out-of-pocket expenses are healthcare costs not covered by insurance until you reach your deductible. Once you hit the out-of-pocket maximum, your plan covers 100% of covered services. Deductibles, copays, and coinsurance count towards the maximum, but premiums and uncovered services don't. Limits may vary for individuals and families. The maximum allowed under the Affordable Care Act is $8,550 for individuals and $17,100 for families.
  • In-Network vs. Out-of-Network

    Some plans have separate costs and limits for in-network and out-of-network providers. In-network providers have negotiated rates, while out-of-network providers are more expensive. In-network doesn't always mean nearby, so check if your preferred doctors are in-network. Consider switching plans if necessary during open enrollment.
  • Affordable Care Act (ACA / Obamacare)

    The ACA guarantees health insurance for all, covering preexisting conditions and essential benefits. It has an annual Open Enrollment Period where anyone can sign up for health insurance or switch plans, typically from October to January but may vary by state. Outside of this period, only qualifying events may allow enrollment such as a change in job. The ACA aims to lower your healthcare costs and make insurance affordable.
By addressing these topics with your insurance agent, you can ensure that you are informed about potential discounts and coverage options that may be available to you.

Related Reads

This web page of is operated by Better Plan, Jet Media Inc and Jessica Johanna Rodriguez, a licensed insurance agent. Invitations for applications for Insurance are made only where licensed and appointed. Jessica Johanna Rodriguez’ License Information for all states can be found here. Insurance plans may not be available in all states., Jet Media, Jessica Johanna Rodriguez and our partners or affiliates are not affiliated with the U.S. government or federal Medicare program.
Operators of this website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at or consult
Communication with the operators of this site does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. The operators of this site are independent of the Medicare program and are neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.


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