Frequently Asked Questions

Yumi Health is a licensed health insurance advisory service. We connect individuals and families with licensed insurance agents who help you compare and enroll in Medicare, ACA marketplace, and supplemental insurance plans. Our service is completely free to you — we are compensated by insurance carriers.

Yes — always free, and that's a promise. Yumi Health is compensated by insurance carriers when you enroll in a plan through one of our licensed agents. You never pay us a fee, and working with us does not increase the cost of your insurance premiums.

Absolutely. All agents in the Yumi Health network are state-licensed, background-checked, and trained in the specific coverage areas they advise on. We verify licenses and monitor compliance on an ongoing basis.

It's easy. You can fill out our quick online form, book a free consultation, or call us directly at (888) 000-0000. We'll match you with a licensed agent who specializes in the type of coverage you need.

In many cases, yes. During open enrollment periods, you can switch plans freely. Outside of open enrollment, you may qualify for a Special Enrollment Period due to life events like moving, getting married, losing coverage, or turning 65. A Yumi Health agent can help you determine your eligibility.

Most people become eligible for Medicare at age 65. You may also qualify earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS. Your Initial Enrollment Period begins 3 months before your 65th birthday and ends 3 months after.

Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare offered by private insurers. It often includes drug coverage and extras like dental and vision. Medigap (Medicare Supplement) works alongside Original Medicare to help cover out-of-pocket costs like copays and deductibles. A Yumi Health agent can help you decide which approach is best for your situation.

If you enroll in Original Medicare and don't have creditable drug coverage from another source (such as an employer), it's highly recommended to enroll in a Part D plan. Delaying enrollment can result in a late enrollment penalty that increases your premiums permanently.

Yes. Medicare has an Annual Enrollment Period (October 15 - December 7) during which you can switch Medicare Advantage plans, return to Original Medicare, or change your Part D plan. There is also a Medicare Advantage Open Enrollment Period (January 1 - March 31) for additional changes.

The Affordable Care Act (ACA) marketplace, also known as the Health Insurance Marketplace or exchange, is where individuals and families can shop for and purchase health insurance plans. Plans are standardized into metal tiers — Bronze, Silver, Gold, and Platinum — making it easier to compare coverage and costs.

You may qualify for premium tax credits or cost-sharing reductions based on your household income and size. Many people are surprised to learn they qualify for significant financial help. A Yumi Health agent can estimate your subsidy amount and help you find the most affordable plan.

The annual Open Enrollment Period typically runs from November 1 through January 15. Outside of this window, you may qualify for a Special Enrollment Period if you experience a qualifying life event such as losing employer coverage, getting married, having a baby, or moving to a new area.

All ACA-compliant plans must cover 10 Essential Health Benefits, including hospitalization, prescription drugs, maternity and newborn care, mental health services, preventive care, and more. Preventive services such as annual check-ups and vaccinations are covered at no cost to you.

When you contact us, we gather some basic information about your coverage needs, location, and preferences. We then match you with a licensed agent who specializes in the relevant coverage area and is licensed in your state. Your agent will reach out to you at your preferred time.

Never. Our agents are here to educate and advise, not to pressure you. You are always free to take your time, ask questions, and make the decision that feels right for you. There is absolutely no obligation to enroll.

Yes. Many of our clients develop long-term relationships with their agents. Your agent can help you review your coverage annually, navigate plan changes, and ensure you always have the best options available.

Your satisfaction is our priority. If you have any concerns about your experience, please contact us at support@yumihealth.com or call (888) 000-0000. We take all feedback seriously and will work to resolve any issues promptly.