Del-Luxe Insurance Group LLC
FAQs
COMMON QUESTIONS WE GET ASKED FROM CLIENTS
Can I enroll privately if I am offered employer coverage?
YES! Sometimes employers benefits are super expensive or the coverage is not great. You are not required to enroll, yet it is recommended to take advantage of their assistance paying for a portion of the premium.
Can I cover my family separately if I enroll through my employer as the employee?
Yes! Often times it's expensive to add a spouse or dependents to your employer plan because your employer does not financially help cover them.
Do you have a specific open enrollment period?
No! We can enroll you 365 days a year and start your coverage any date you need.
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If I enrolled in a ACA Obamacare plan for the year, can I cancel and join your coverage anytime?
Yep! Healthcare.gov plans are not contracts and you can cancel anytime to enroll in private health insurance. ​
My income fluctuates since I am self employed, are your plans tied to income?
Nope! Our rates are tied to age and health, not income. So if you are tired of over/under estimating your income for Obamacare plans, this will be much better!​​
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Are there other private health insurance companies in the US?
Nope! We are affiliated with the last set of private products on the entire market! Talk about exclusive!!! ​
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Can you help with ACA plans too?
Yes, if that is the best fit for you due to income or major pre-existing conditions.
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How can you give me a PPO? I thought that wasn't possible unless I was on a large employer group plan?
It is possible. I group you together with other small businesses or self employed folks similar to you. This gives you access to 'group-style' benefits.
Do I have to re-apply and enroll every year?
Nope! Once you're on a plan, it auto-renews every year without you having to lift a finger!
My small business does not have at least 5 employees, are we eligible for a group plan?
Yes, bare minimum we need for group eligibility is two people.
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As the employer, am I required to cover 50% of the premiums for my employees?
Nope! You can fully customize what you pay towards your employee's costs, if at all.
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Are these plans tax deductible?
Yes! If you are self employed or a business owner. No, if you are a W2 employee.
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Who do I call for help in the future with my plan?
Your agent will be your direct point of contact, no 800 numbers needed.
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How much do you charge for a consult?
Our services and advice are free to you. ​
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If there is a better fit out there for me instead of your private coverage, will you tell me?
Absolutely! We believe in integrity and transparency. Our plans are not for everyone, and we will be the first to direct you elsewhere if that's what is best for you.
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