Free for healthcare workers, in every state
Insurance, explained without the sales pitch
Life, health and auto cover, in plain English: what each one actually does, what to check before you sign anything, and how to speak to a licensed agent when you want to. No quotes on this page, and nothing is sold here.
Life insurance
It exists for the people who depend on your income. Term life covers a fixed number of years and is the least expensive way to cover the years your family would struggle without you. Whole life costs considerably more and builds cash value, which is why it is sold harder.
Ask about
- —Term or whole, and why the person selling it prefers one.
- —Whether the price is guaranteed level for the whole term.
- —Whether a medical exam is required, and what happens if you skip it.
- —Who the beneficiary is, and whether that is still the right person.
Health insurance
Many care workers are part-time or paid through a county programme and get no employer plan. HealthCare.gov, or your own state marketplace where it runs one, sells individual coverage with income-based subsidies, and Medicaid covers people below the income threshold in their state at no cost.
Ask about
- —Whether your income qualifies you for Medicaid in your state at no cost.
- —Whether a marketplace subsidy applies to you.
- —Whether your own doctors are actually in the network.
- —Enrolment periods, and the life events that open one outside them.
Auto insurance
If you drive between clients, the personal policy you have may not cover you while you are working. That is a gap people discover after a collision, not before. It is worth asking the question in plain terms and getting the answer in writing.
Ask about
- —Whether your policy covers driving between clients.
- —Your uninsured and underinsured motorist limits, which are what pay when the other driver has nothing.
- —Your deductible, and whether you could actually pay it.
- —Whether mileage between clients is reimbursed by your employer.
Talk to a licensed agent
Tell us what you are looking at and a licensed agent will go through it with you. Free, no obligation, and nothing is applied for until you say so.
Official sources, free to use
- HealthCare.gov — the health marketplace, with subsidy estimates; it routes you to your own state's marketplace where there is one.
- Medicaid and CHIP — no-cost or low-cost coverage, and the office to contact in your state.
- Your state insurance department — check an agent's licence, or file a complaint, through the NAIC directory.
Questions people ask
Does Unified Savers sell insurance?
No. Unified Savers is not an insurance company, agency or broker, and nothing on this site is a quote or an offer of coverage. We publish plain-English information and pass your request to a licensed agent if you ask us to.
How much life insurance do I need?
A licensed agent will work through it with you properly, but the usual starting point is what your household would need if your income stopped: the years until dependants are independent, any mortgage, and final expenses.
I only work part time. Can I get health coverage?
Yes. The marketplace is open to people without an employer plan and subsidies are income-based, and Medicaid covers people below their state’s income threshold at no cost. Part-time and county-paid work does not shut you out.
Does my car insurance cover me while I am working?
That depends on the policy and it is a real gap for home care workers who drive between clients. Ask your insurer directly and get the answer in writing before you rely on it.
What does this cost me?
Nothing. Using this site is free. If you buy a policy the premium is paid to the insurer in the ordinary way.
Unified Savers is not an insurance company, agency or broker and does not sell insurance. Nothing on this page is a quote, an offer of coverage, or advice about which policy suits you. Sending the form does not apply for or bind any coverage. Check any agent's licence with your own state's department of insurance before you buy anything. See the disclaimer and privacy policy.