FAQ
Plain-English answers to the questions clients ask most — ACA Marketplace, Medicare, private market plans, group coverage, supplemental. Free. No funnel. We work for you, not the carriers.
Health Insurance 101
Vocabulary, math, and rules — without the jargon. Networks, EOBs, prior auth, claims, HSA/FSA/HRA.
Enrollment Periods & Life Events
Turning 26, baby on the way, layoff, retiring before 65, Open Enrollment Season — and the SEPs they unlock.
ACA Marketplace
Healthcare.gov plans, subsidies, and the math behind metal tiers.
Medicare General Info
Parts A/B/C/D, enrollment windows, Part D, IRMAA, dual-eligibility, special situations.
Medicare Advantage vs Medigap
The biggest decision in Medicare. Plan G/N/F walkthroughs, MA plan selection, switching.
Private Market Coverage
STM, Fixed Benefit, DPC + HDHP, Health Sharing, COBRA alternatives.
Group Health & Small Business
1-50 employees: Group, ICHRA, QSEHRA, level-funded — pick the right structure.
Ancillary Coverage
Dental, vision, life, final expense, telehealth — sits alongside major medical.
Supplemental Coverage
Accident, cancer, critical illness, hospital indemnity — cash when life hits hard.
Have questions Lulu can answer?
The FAQs above cover the common ones. But if you want answers tailored to your situation — your age, your state, your budget, your doctors — Lulu will walk you through it in plain English.
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