Frequently Asked Questions
Welcome to Prime Insurance Hub’s Frequently Asked Questions page. This Frequently Asked Questions section answers the most common insurance questions related to auto insurance, Medicare, ACA health plans, and life insurance coverage.
Our Frequently Asked Questions are created to give clear, simple answers to common insurance concerns and help visitors make informed decisions. These Frequently Asked Questions cover insurance options, eligibility requirements, enrollment periods, and cost-saving opportunities across multiple insurance products. For official information about ACA health plans and enrollment periods, you can also visit https://www.healthcare.gov. If you are exploring Medicare coverage, benefits, or enrollment timelines, trusted details are available at https://www.medicare.gov. Reviewing our Frequently Asked Questions can help you better understand your coverage choices and avoid costly mistakes. If you don’t find your answer in these Frequently Asked Questions, our licensed agents are always available to assist you with personalized guidance.
General Insurance Frequently Asked Questions
Insurance protects you financially from unexpected events such as illness, accidents, or property damage. Without coverage, you could face overwhelming costs on your own.
Our licensed agents will walk you through your options, compare plans from top providers, and recommend one that fits your needs and budget.
Yes! Many clients carry multiple policies (like health, auto, and life) to ensure full protection for themselves and their families.
Yes — we partner with trusted carriers nationwide, so you can compare plans and choose the one that best fits your needs.
Medicare & ACA Health Plans Frequently Asked Questions
Medicare is a federal program for people 65+ or those with certain disabilities. ACA plans are available to individuals and families under 65 through the Health Insurance Marketplace.
You can enroll when you first turn 65, during your Initial Enrollment Period, or during Medicare’s Annual Enrollment Period (Oct 15 – Dec 7).
Yes. Under the Affordable Care Act, all Marketplace plans must cover pre-existing conditions without extra charges.
Yes. Based on your household size and income, you may be eligible for subsidies that reduce monthly premiums and out-of-pocket costs.
Auto Insurance Frequently Asked Questions
Coverage varies by policy but typically includes liability, collision, comprehensive protection, uninsured motorist coverage, and medical expenses.
Yes. Most states require drivers to carry a minimum level of liability insurance to legally operate a vehicle.
Safe driving, bundling policies, and choosing higher deductibles can help reduce your rates. Our agents can find discounts that fit your situation.
Yes. Based on your household size and income, you may be eligible for subsidies that reduce monthly premiums and out-of-pocket costs.
Final Expense & Life Insurance Frequently Asked Questions
It’s a small whole life policy designed to cover funeral costs, medical bills, and other end-of-life expenses, so loved ones aren’t left with financial stress.
Term Life – Covers you for a set period (10, 20, or 30 years).
Whole Life – Provides lifetime coverage with fixed premiums and a cash value component.
Most final expense policies don’t require a medical exam — only a few simple health questions. Some offer guaranteed acceptance.
It depends on your goals. Final expense policies typically range from $5,000–$25,000, while traditional life insurance can be much higher. Our experts help you choose the right amount.
Enrollment & Quotes Frequently Asked Questions
You can request a free quote online or speak directly with one of our licensed agents. We’ll gather basic information and match you with the best options.
No. Requesting an insurance quote does not impact your credit.
In many cases, you can apply and get approved the same day. Final expense and auto coverage are often issued quickly.
Absolutely. We’re here year-round to help with policy updates, billing questions, or claims support.