Included at no cost · Licensed in 48 states

Complimentary Services

The help that comes with being our client

We are compensated by the carriers, not by you — your premium is identical whether you enroll through us or on your own. Everything on this page is included at no extra cost, and none of it is limited to the weeks around Open Enrollment.

What to expect

What is included, and why it is free

Premiums for insurance products are filed with the state. An agent cannot mark them up, which means our support costs you nothing.

Before you enroll

Benefit comparisons across carriers, provider network verification so you know your doctors are covered, and prescription cost reviews against each plan formulary.

While you enroll

ACA enrollment assistance, Medicare education, and hands-on enrollment support — including the paperwork, the deadlines and the parts people most often get wrong.

After you enroll

Free coverage reviews and annual plan checkups. Plans change every year, and the plan that fit you last year is often not the one that fits you now.

A review costs you nothing but a conversation

Most people never have their coverage looked at again after they buy it. A review takes a short call and frequently turns up a cheaper plan, a missing subsidy, or a prescription sitting on the wrong tier.

No obligation, and no pressure to switch if what you have is already right.

Plan types

How our support works

Three stages, covering the whole life of a policy rather than just the sale.

Research and comparison

We compare benefits across the carriers we work with, verify that your doctors and hospital are in network, and check what each plan would charge for the prescriptions you actually take. These three checks account for most of the regret people have about a plan they chose alone.

Enrollment and education

Help completing ACA Marketplace applications, education on how Medicare works and what your options are, and support through the enrollment itself. Deadlines and qualifying events are where coverage gets lost — we track them with you.

Ongoing reviews

A free coverage review whenever your circumstances change, and an annual plan checkup before each new plan year. Carriers adjust networks, formularies and pricing every year, and the checkup is how you find out before it costs you.

Side by side

Enrolling alone, or with an agent

The premium is the same either way. What differs is what gets checked before you commit.

What happens	Enrolling on your own	With our agents
Cost to you	Premium as filed	Identical premium as filed
Plan comparison	You compare what the website shows you	Benefit comparison across the carriers we represent
Network check	You check each doctor yourself, plan by plan	Provider network verification before you commit
Prescriptions	Formulary tiers are easy to miss	Prescription cost review against each plan
Enrollment	You handle applications and deadlines	Enrollment support and deadline tracking
After you enroll	Usually nothing until renewal	Free coverage reviews and annual plan checkups

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Every service, at no extra cost

Included for our clients. If you hold a policy elsewhere and want a second opinion, ask — we will tell you honestly whether it is worth moving.

Free coverage reviewsA second look whenever things change

Annual plan checkupsBefore each new plan year begins

Medicare educationHow the parts fit together, without a sales pitch

ACA enrollment assistanceApplications, deadlines and qualifying events

Prescription cost reviewsWhat your medication costs on each plan

Provider network verificationConfirming your doctors are covered

Benefit comparisonsSide by side across carriers we represent

Enrollment supportSomeone to call while you are doing it

Common questions

Do these services really cost nothing?

Yes. Insurance premiums are filed with the state and an agent cannot add to them, so you pay the same whether you enroll through us or by yourself. We are compensated by the carrier when you enroll, which is what funds the support.

Do I have to buy my policy through you?

These services are included for our clients. If you hold a policy elsewhere and want a second opinion, ask us — we are happy to look, and we will tell you if what you already have is the better plan.

What is a coverage review?

A short conversation about what you hold, what changed, and whether it still fits. We look at premium, deductible, network and prescriptions together rather than the monthly figure alone. Most reviews end with no change recommended, which is a useful answer too.

Can you check whether my doctor is in network?

Yes, and it is worth asking before you enroll rather than after. Networks change between plan years, and a doctor who was in network last year is not guaranteed to be in network now — even on the same plan from the same carrier.

Can you review my prescriptions?

Yes. We check what you take against each plan formulary, since the same drug can sit on a different tier from one plan to the next. For anyone on regular medication this often matters more to annual cost than the premium does.

What if I have a problem with a claim?

Call us. We can help you understand what the carrier has decided and what your options are. We cannot overturn a carrier decision, but we can make sure you are not accepting one you should be appealing.

Talk to a licensed agent

Tell us what you hold today, which doctors matter to you and what you take regularly. We will review it and tell you plainly whether you are already in the right place.

All Solution Plus is a licensed insurance agency. We do not offer every plan available in your area, and any information we provide is limited to the plans we offer. Complimentary services described on this page are provided as a courtesy and do not constitute tax, legal or medical advice. Plan availability, premiums, provider networks, formularies and eligibility vary by state, county and carrier, and change from year to year. Coverage is governed solely by the terms of the policy issued.