Question 1

How is this site different from my insurance portal?

Accepted Answer

This site is designed to be a personalized resource and support center, while your insurance carrier's portal is primarily used to manage your specific insurance plan. On your insurance portal, you can typically pay premiums, view claims, access ID cards, and manage benefits directly with the insurance company. At O'Keefe Solutions, our site is focused on helping you understand your options, navigate questions, and receive ongoing guidance from a real broker who works with multiple insurance companies. We are here to help simplify the process, provide education, and support you before, during, and after enrollment.

Question 2

How do I know what health insurance plan I'm enrolled in?

Accepted Answer

You can usually identify your current insurance plan by checking your insurance ID card, member portal, or recent billing statements. Your plan name and insurance company are typically listed on the front of your ID card. You may also be able to view your plan information by: - Logging into your insurance company's online member account or mobile app - Reviewing your enrollment confirmation documents - Checking your monthly premium invoice or bank draft description - Logging into your HealthCare.gov account if you enrolled through the Marketplace If you are unsure which plan you have, we are happy to help you review your coverage information and identify your current plan.

Question 3

Where do I find my health insurance id card?

Accepted Answer

You can usually find your health insurance ID card in one of the following ways: - In the mail - Most insurance companies mail a physical ID card shortly after your enrollment becomes effective. - Through the insurance company's mobile app - Many carriers provide a digital ID card you can view or save on your phone. - Through your online member portal - After creating an online account with your insurance company, you can typically download or print your ID card. - By calling member services - If you have not received your card, the insurance company can often email or mail a replacement. If you recently enrolled and need help locating your member ID information, we'd be happy to help you find the correct contact information for your insurance carrier. Please contact us at administration@okeefesolutions.com or (210) 987-2375.

Question 4

How do I get my IRS 1095-A form?

Accepted Answer

You only receive an IRS 1095-A form if you have an individual or family health insurance plan purchased through healthcare.gov (Health Insurance Marketplace). Your IRS Form 1095-A is provided by the Health Insurance Marketplace if you had a Marketplace/ACA health insurance plan during the year. You can obtain your form in the following ways: - Log into your HealthCare.gov account - Select your application for the correct tax year - Look for Tax Forms or 1095-A Forms to download and print the document The Marketplace also typically mails a copy of the 1095-A form by early February. If you cannot locate your form, you can contact the Marketplace Call Center at 1-800-318-2596. This form is important because it is used to reconcile any Advance Premium Tax Credits you received on your federal tax return. If you received an Advance Premium Tax Credit, your taxes will not be accepted by the IRS until you include this form.

Question 5

How do I update my information (address, email, health changes, income changes)?

Accepted Answer

You can update your personal information at okeefesolutions.com/update-my-information. Submitting information through our website does not automatically update your records with your insurance company or HealthCare.gov; some changes may require documentation or processing through your carrier or HealthCare.gov.

Question 6

How do I dispute a medical bill?

Accepted Answer

If you believe a medical bill is incorrect in Texas, contact the provider and your insurance company for an itemized bill and explanation of benefits. Compare charges, confirm services and dates, verify in-network billing, and request coding corrections if needed. You may file an appeal with your carrier or contact the Texas Department of Insurance for consumer assistance.

Question 7

How do I know which pharmacy is in-network for my health insurance plan?

Accepted Answer

You can find in-network pharmacies for your health insurance or prescription drug plan in several ways: - Check your insurance company's website or mobile app - Most carriers have a Find a Pharmacy or Provider Search tool - Review your plan documents - Many plans include a pharmacy directory or list of preferred pharmacies - Call the member services number on your insurance ID card - A representative can verify whether a specific pharmacy is in network Using an in-network or preferred pharmacy can help lower your prescription costs and ensure your medications are covered at the best available rate.

Question 8

I want to switch pharmacies, how do I do that?

Accepted Answer

Changing pharmacies is usually a simple process. In most cases, you can contact your new pharmacy and ask them to transfer your active prescriptions from your current pharmacy. You may also want to confirm that the new pharmacy is in-network with your insurance plan, as this can help reduce prescription costs. Please note that some medications, such as certain controlled substances, may require a new prescription from your doctor instead of a transfer.

Question 9

Where is your office?

Accepted Answer

We work from professional home offices in order to keep operating costs low and provide greater flexibility and accessibility for our clients. Most appointments are handled conveniently through Zoom, phone, or email, which allows clients to meet from wherever they are most comfortable. For clients who prefer in-person meetings, we use a professional conference room space by appointment.

Question 10

How do you get paid?

Accepted Answer

As insurance brokers, we work with multiple insurance companies to help you compare plans and find coverage that best fits your needs and budget. If you choose to enroll in a plan, we are compensated by the insurance company you select through a standard commission that is built into the plan pricing. There is no additional cost to you for using our services. In fact, you will pay the same premium to the insurance company, whether you use us or not. At The O'Keefe Group, we believe our responsibility is to put our clients' financial interests first. Our philosophy is that when our clients are well taken care of, informed, and confident in their coverage decisions, they are better positioned for a stronger financial and healthcare future - and that is what matters most to us.

Question 11

What does your image stand for?

Accepted Answer

Our logo proudly bears the O'Keefe family crest from Ireland. Two hundred centuries ago, in 1860 Timothy O'Keefe came to the United States from Ireland searching for a better life for his family. The logo represents our strong belief that family is the foundation of strength, legacy, and purpose—values that continue to guide everything we do today.

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