Frequently Asked Questions
Getting Started
How does working with Trinity Insurance Group work?
Call us or fill out our quote form. We'll ask a few quick questions about you, your family or your business, compare plans from multiple carriers, and walk you through your best options. There's no cost to work with us, and there's no obligation.
Does it cost anything to use an insurance broker?
No. Our services are free to you. We're paid by the insurance companies, and your premium is the same whether you enroll with us or on your own.
What information do I need to get a quote?
Just the basics: ZIP code, dates of birth for everyone to be covered, and any doctors or prescriptions you'd like to keep. For business quotes, we'll also ask how many employees you have.
Can I enroll online on my own?
Yes. Visit our Enroll Online page to compare plans and sign up at your own pace. If you get stuck, call us at (972) 571-7458 and we'll help.
Plans and Coverage
What's the difference between your plans and Marketplace (HealthCare.gov) plans?
Marketplace plans are sold through HealthCare.gov, and some people qualify for income-based savings on them. Many of our plans are sold outside the Marketplace. They offer broad PPO networks and don't require you to prove your income. We'll help you compare both so you can choose what fits best.
What is a PPO?
A PPO (Preferred Provider Organization) lets you see any doctor or specialist in the network without a referral. You can usually see out-of-network providers too, at a higher cost.
How do I know if my doctor is in network?
Visit our PPO Search Options section below for step-by-step instructions to search the PHCS, Cigna and Aetna networks. You can also call us and we'll check for you.
What is an HSA-compatible plan?
An HSA-compatible plan has a higher deductible and a lower monthly premium. It lets you open a Health Savings Account, where you can set aside money tax-free for medical costs. Unused money rolls over year to year.
Do you offer dental and vision?
Yes. Clients who choose a health plan with us have access to Humana dental and vision programs. We also offer life, accident and critical illness coverage.
Do you offer plans for businesses?
Yes. We offer group health benefits for businesses with 2 to 500 employees. Contact us to set up a time to review your options.
Enrollment and Timing
When can I sign up?
Many of our plans outside the Marketplace are available year-round. Marketplace plans can only be bought during open enrollment (Nov 1 to Jan 15) unless you have a qualifying life event, such as losing other coverage, moving, getting married or having a baby.
When does my coverage start?
Start dates depend on the plan. Many plans begin on the first of the following month. We'll confirm your exact start date when you enroll.
After You Enroll
Who do I call if I have a problem with a claim or bill?
Call us. Our team works directly with carriers to help resolve claims, billing questions and other issues, so you don't have to handle it alone.
Can I make changes to my plan or cancel?
Yes. Call us and we'll walk you through your options, including adding or removing family members, changing plans or canceling.