Clear Answers to Common Questions

A health insurance advisor helps you understand your coverage options, compare different types of plans, and choose what fits your specific situation. Blaze Telfer works with individuals, families, self-employed clients, and small business owners to review private insurance, marketplace plans, and employer coverage. She also provides ongoing support throughout the life of your policy — so you're never left figuring things out alone.

Yes. Blaze Telfer Insurance Solutions is an independent health insurance advisory practice. That means Blaze is not tied to any single insurance company or carrier. She can compare options across multiple plan types and providers to find what genuinely fits your situation — not just what's easiest to sell.

Blaze currently serves clients in the following states: Alabama, Arkansas, Colorado, Delaware, Florida, Georgia, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Missouri, Mississippi, Montana, North Carolina, Nebraska, Nevada, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, West Virginia, and Wyoming.

Private health insurance is a health-based alternative to ACA/Marketplace (Obamacare) plans. Unlike ACA plans, private insurance is underwritten based on your health — meaning approval and rates are determined by your health status. For relatively healthy individuals, this often means better coverage at lower monthly costs compared to many public plans.

The main differences are eligibility, cost, and enrollment timing. ACA/Marketplace plans cannot deny coverage for pre-existing conditions and are available to everyone, but they are limited to open enrollment periods and can be expensive without a government subsidy. Private insurance is health-based, available year-round for those who qualify, and can offer lower premiums and better coverage for healthy individuals. Private plans also typically include nationwide PPO networks, giving you more flexibility in choosing doctors and hospitals.

Yes. Unlike ACA/Marketplace plans, which are generally limited to open enrollment periods, private health insurance is available year-round for those who qualify. This means you don't have to wait for a specific enrollment window to apply.

Private health insurance may be a good fit for individuals and families who are relatively healthy, self-employed professionals who need to purchase their own coverage, people who are paying too much for their current marketplace plan without a subsidy, and those who want access to a nationwide PPO network. Blaze can help you determine whether you may qualify and whether private insurance could be a better fit than your current coverage.

Private insurance is health-based, meaning your application is reviewed and rates are determined based on your health status. There is a quick and simple application process that Blaze guides you through to see if you qualify for preferred rates and enhanced coverage. If approved, your plan typically includes a nationwide PPO network, allowing you to choose your own doctors and hospitals.

Yes. Blaze offers free employer coverage reviews. Employer plans can be beneficial — especially for the employee, since many companies contribute around 50% or more toward monthly premiums. However, adding spouses and children is typically done at full cost, which can significantly increase overall premiums. Blaze can review your current plan and explore whether alternatives — including employer-split coverage — could reduce your costs while maintaining strong coverage.

Employer-split coverage is an arrangement where the employee remains on their employer's health plan while family members are placed on a separate private or marketplace plan. This can help reduce overall premium costs when adding dependents to an employer plan would be significantly more expensive.

Yes. Blaze works with self-employed professionals, freelancers, contractors, and business owners who need to purchase their own health coverage. Self-employed individuals are often good candidates for private health insurance, which can offer better coverage at lower monthly costs compared to marketplace plans — especially for those who are relatively healthy.

Yes. Blaze provides ongoing advisor support for the lifetime of your policy. This means you have someone to call when questions come up, when you need to make changes to your coverage, or when it's time to review your options at renewal. The relationship doesn't end at enrollment.

Yes. Blaze offers complimentary coverage reviews and quote consultations with no obligation. The goal is to help you understand your options clearly and honestly before making any decisions. There is no pressure to proceed.

To request a quote, you'll need to provide your first name, last name, email address, phone number, age, gender, and the state where you reside. If you need coverage for multiple people, you can include the ages and genders of each person in the notes field. Blaze will review your information and follow up to discuss your options.

Once you submit your information, Blaze will review your situation and follow up to help you compare your options and determine what may be the best fit. The consultation is complimentary and there is no obligation to proceed.