What the call actually involves
We start with the household, because who is on the application changes everything downstream. Then income, because it decides whether a premium tax credit applies and whether cost-sharing reductions are on the table. Only then do we open the plan list. By that point the list is usually four or five real candidates rather than sixty.
The network check, which is the one that matters
Most Florida Marketplace plans are HMOs. Out-of-network care is generally not covered at all outside an emergency, so a plan that does not include your clinic is not a cheaper plan, it is a plan you cannot use. We look up your doctors by name and your prescriptions by name, on the call, before recommending anything.
What happens after you say yes
We submit the application with you still on the line, so if the system asks for a document we can tell you which one and why. You get a confirmation number before you hang up. Your ID cards arrive from the carrier, not from us, and we tell you roughly when to expect them.