FAQ — Safe Haven Benefits Group

Question 1

How much does it cost to work with Safe Haven Benefits Group?

Accepted Answer

Nothing. Our advisory service is completely free to you. We're compensated directly by the insurance carriers when you enroll in a plan — at no additional cost to you. You get the same plan at the same price whether you enroll through us or on your own, but with expert guidance along the way.

Question 2

Are you tied to a specific insurance company?

Accepted Answer

No. We're fully independent advisors, which means we're not captive agents for any single carrier. We work with all major health insurance providers nationwide and recommend plans based solely on what's best for your situation — not what pays us the most.

Question 3

What happens during a consultation?

Accepted Answer

We start by listening. We'll ask about your health needs, budget, current coverage, and any doctors or medications you want to keep. From there, we compare plans across all major carriers and walk you through your best options in plain English — no jargon, no pressure. You decide what's right for you.

Question 4

How long does the process take?

Accepted Answer

Most consultations take 30–60 minutes. If you're ready to enroll, we can often complete the application in the same call. More complex situations — like comparing multiple Medicare options or setting up group benefits — may take a follow-up conversation.

Question 5

What states do you serve?

Accepted Answer

We serve clients in all 50 states. All consultations are conducted by phone or video call, so no matter where you live — urban or rural — you get the same attentive, personalized service.

Question 6

When can I enroll in Medicare?

Accepted Answer

Your Initial Enrollment Period (IEP) begins 3 months before the month you turn 65 and ends 3 months after. If you miss this window, you can enroll during the General Enrollment Period (January 1 – March 31), though late enrollment penalties may apply. If you have employer coverage, you may qualify for a Special Enrollment Period when that coverage ends.

Question 7

What's the difference between Medicare Advantage and a Supplement plan?

Accepted Answer

Medicare Advantage (Part C) replaces Original Medicare with a private plan that bundles Parts A, B, and often D — usually with extra benefits like dental and vision, and often at lower premiums. A Supplement (Medigap) plan works alongside Original Medicare to cover the out-of-pocket costs Medicare doesn't pay, like copays and deductibles. The right choice depends on your health needs, preferred doctors, and budget — we help you compare both.

Question 8

Is Medicare free?

Accepted Answer

Part A (hospital) is premium-free for most people who've paid Medicare taxes for at least 10 years. Part B (medical) has a standard monthly premium (around $174.70 in 2026, though this changes annually). Medicare Advantage plans often have $0 premiums, while Supplement plans have monthly premiums that vary by plan and carrier.

Question 9

Does Medicare cover prescription drugs?

Accepted Answer

Original Medicare (Parts A & B) does not cover most prescription drugs. You can add drug coverage through a standalone Part D plan, or choose a Medicare Advantage plan that includes Part D. We help you compare drug formularies to make sure your medications are covered at the lowest cost.

Question 10

When is open enrollment for individual and family plans?

Accepted Answer

The ACA marketplace open enrollment period runs November 1 through January 15 each year, with coverage starting January 1 (or February 1 if you enroll after December 15). Outside of open enrollment, you can only enroll if you qualify for a Special Enrollment Period due to a life event such as job loss, marriage, divorce, birth of a child, or moving to a new state.

Question 11

Can I get financial help paying for my plan?

Accepted Answer

You may qualify for premium tax credits (subsidies) if your household income falls between 100% and 400% of the federal poverty level — and in some cases above that threshold. We help you estimate your subsidy eligibility and find plans that maximize your savings. Medicaid may be available if your income is lower.

Question 12

Can I be denied coverage for a pre-existing condition?

Accepted Answer

No. Under the Affordable Care Act, insurance companies cannot deny coverage or charge you more because of a pre-existing condition on ACA-compliant plans. This applies to all marketplace and most individual plans.

Question 13

I'm self-employed. What are my options?

Accepted Answer

Self-employed individuals can purchase coverage through the ACA marketplace and may qualify for premium tax credits based on their income. You may also be eligible to deduct 100% of your health insurance premiums from your federal taxes. We help freelancers, contractors, and small business owners find the most cost-effective coverage for their situation.

Question 14

How many employees do I need to offer group health insurance?

Accepted Answer

There's no minimum employee count to offer group coverage. Businesses with 1–50 employees can access plans through the SHOP (Small Business Health Options Program) marketplace and may qualify for the Small Business Health Care Tax Credit. We work with businesses of all sizes to find the right group plan.

Question 15

How much does group health insurance cost employers?

Accepted Answer

Costs vary widely based on plan type, employee count, location, and how much of the premium the employer contributes. On average, employers cover about 70–80% of employee premiums. We help you find plans that balance comprehensive coverage with manageable costs for your business.

Question 16

When can employees enroll in a group plan?

Accepted Answer

New employees typically have a waiting period of up to 90 days before they can enroll. After that, enrollment happens during the annual open enrollment period set by the employer, or during a Special Enrollment Period triggered by a qualifying life event.

Question 17

How do I know if I qualify for Medicaid?

Accepted Answer

Medicaid eligibility is based primarily on income and household size, though rules vary by state. In states that expanded Medicaid under the ACA, adults with incomes up to 138% of the federal poverty level generally qualify. We can help you understand your state's specific eligibility rules and walk you through the application process.

Question 18

Can I apply for Medicaid at any time?

Accepted Answer

Yes. Unlike marketplace plans, Medicaid enrollment is open year-round. If you qualify, coverage can begin quickly — sometimes as soon as the month you apply. We help you determine eligibility and navigate the application process in your state.

Frequently Asked Questions

Working With Us

Medicare

Individual & Family Plans

Group & Employer Plans

Medicaid

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