Question 1

Does Tyler work with people in Ohio?

Accepted Answer

Yes. Tyler is based in the Dayton, Ohio area and holds an Ohio resident insurance license (NPN 1692730). He works with people all over Ohio, including Dayton, Huber Heights, Tipp City, Troy, Vandalia, Springfield, Columbus, Cincinnati and Cleveland, plus the other states where these plans are offered. Everything is done by phone or video, so there is no office visit.

Question 2

Who are these plans a good fit for?

Accepted Answer

People under 65 who buy their own coverage and are in good health, like self-employed people, 1099 workers, small business owners, early retirees who are not on Medicare yet, and families leaving COBRA. If you have ongoing health issues or qualify for a large Marketplace subsidy, a Marketplace plan is usually the better choice, and we will tell you that on the call.

Question 3

How can I verify that Tyler is licensed?

Accepted Answer

You can look up any licensed agent on the Ohio Department of Insurance website by name or National Producer Number (NPN). The NPN for Tyler Mougey is 1692730.

Question 4

How can premiums be so low?

Accepted Answer

Your premium is based on factors like age, smoking status, location, and overall health. Because these plans are medically underwritten, enrollees are generally healthier, fewer claims are filed, and premiums stay low while benefits stay strong.

Question 5

Is this real health insurance?

Accepted Answer

Yes. These are real insurance policies underwritten by Philadelphia American Life Insurance Company, rated A- (Excellent) by AM Best, and approved by the Department of Insurance in each state where they are sold. They are not major medical or ACA Marketplace plans. They pay the benefit amounts listed in your policy, and we walk you through exactly what is and is not covered before you apply.

Question 6

Do I qualify?

Accepted Answer

These plans are for people under 65 who buy their own coverage. They are medically underwritten, so approval is not automatic and not everyone qualifies. We go over the application questions with you on your call, so you know where you stand before you apply.

Question 7

Is this a PPO, HMO, or EPO?

Accepted Answer

It is not an HMO or an EPO. These plans come with access to the First Health PPO Network, one of the largest PPO networks in the US, where providers have agreed to discounted rates. The network lowers the bill. It does not change what the plan pays, which is the same benefit amount in or out of network.

Question 8

Is my doctor in-network?

Accepted Answer

We can look up your doctors with you before you apply. Either way, the plan pays the same benefit amount whether your provider is in or out of the First Health Network. In-network providers have agreed to discounted rates, so staying in-network typically means lower out-of-pocket costs for you.

Question 9

Is there a max out of pocket?

Accepted Answer

No. Unlike ACA Marketplace plans, these plans do not have an out-of-pocket maximum. They pay the benefit amounts listed in your plan for covered services, up to the calendar year maximum you choose: $250,000, $500,000, or $1,000,000 (options vary by state). We show you what you would owe in common scenarios before you apply.

Tyler Mougey, Licensed Health Insurance Agent in the Dayton, Ohio Area

Top questions

Does Tyler work with people in Ohio?

Who are these plans a good fit for?

How can I verify that Tyler is licensed?