Faq
Generally Asked Question
Welcome to the MJ Health Plans FAQ page. We’ve compiled the most frequently asked questions to help you better understand our services and make informed decisions about your health and life insurance coverage. If you have a question that’s not listed here, feel free to contact us — our licensed agents are always ready to assist you.
MJ Health Plans provides a wide range of insurance solutions, including:
Affordable Care Act (ACA) plans
Medicare Advantage and Medicare Supplement plans
Final Expense (FE) life insurance
Dental and Vision coverage
Prescription drug plans (Part D)
We help individuals, families, and seniors find plans that meet their health and financial needs.
Yes, all of our agents are licensed and certified to offer ACA, Medicare, and Final Expense insurance in multiple states. We adhere to state and federal compliance guidelines to ensure secure and ethical services.
ACA health plans, also known as Marketplace or Obamacare plans, provide comprehensive health coverage for individuals and families. They include essential benefits like doctor visits, hospitalization, prescriptions, preventive care, and more.
If your income falls within a certain range based on your household size, you may qualify for premium tax credits or cost-sharing reductions. Our team can help you check your eligibility and enroll in the right plan.
The Open Enrollment Period typically runs from November 1 to January 15. However, you may qualify for a Special Enrollment Period (SEP) if you’ve experienced a qualifying life event such as job loss, marriage, relocation, or the birth of a child.
We offer:
Medicare Advantage (Part C) plans
Medicare Supplement (Medigap) plans
Prescription Drug Plans (Part D)
Our agents will compare plan benefits, costs, and provider networks to find a Medicare solution that works for you.
Most people become eligible for Medicare at age 65. The Initial Enrollment Period starts 3 months before your 65th birthday and ends 3 months after. Missing this window may result in penalties or coverage delays.
Medicare Advantage (Part C): All-in-one plans that include hospital, medical, and often drug coverage.
Medigap (Supplement): Works alongside Original Medicare to cover out-of-pocket costs like copays and deductibles.
Final Expense insurance is a small whole life policy designed to cover funeral costs, medical bills, and other end-of-life expenses. It offers affordable premiums and easy qualification, often with no medical exam required.
Seniors, individuals with limited savings, and those who want to protect their loved ones from financial burden often choose Final Expense policies. It’s a simple and practical solution for peace of mind.
