Patricia Benton

The Affordable Care Act (ACA) marketplace offers health insurance plans to individuals and families who don't have employer-sponsored coverage. Most people qualify, and many are eligible for premium tax credits that significantly reduce monthly costs based on household income.

Open enrollment for ACA marketplace plans typically runs November 1 through January 15 each year. Outside that window, qualifying life events — such as losing job-based coverage, getting married, or having a baby — trigger a Special Enrollment Period.

Medicare Advantage (Part C) replaces Original Medicare with a private insurance plan that often includes dental, vision, and drug coverage. Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs like copays and deductibles. The right choice depends on your healthcare needs, preferred doctors, and budget — call Patricia and she'll explain both clearly.

Yes — dental and vision coverage are typically sold as separate standalone plans, not included in most ACA health plans. Patricia works with Cigna, Ameritas, and Humana to find dental and vision plans that fit your budget.

Absolutely nothing. As a licensed insurance agent, Patricia is compensated by the insurance carriers, not by you. Her consultations, plan comparisons, and enrollment assistance are completely free of charge.

Final Expense insurance — also called burial insurance or funeral insurance — is a small whole life insurance policy designed to cover funeral costs, burial expenses, and related end-of-life bills so your loved ones aren't left with that financial burden during an already difficult time.