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At ccMyAgent, we know insurance can be confusing—but it doesn’t have to be. Our FAQ section is here to help you get quick, clear answers to the most common questions about coverage, approval times, policy options, and more. Whether you're just getting started or fine-tuning your plan, we’re here to make the process simple and stress-free.
At ccMyAgent, we know insurance can be confusing—but it doesn’t have to be. Our FAQ section is here to help you get quick, clear answers to the most common questions about coverage, approval times, policy options, and more. Whether you're just getting started or fine-tuning your plan, we’re here to make the process simple and stress-free.
Can I get coverage on someone without their consent?
Can I get coverage on someone without their consent?
No, you cannot get insurance on another adult without their knowledge and signed consent. However, if you're the parent or legal guardian of a minor, you can get coverage for your child without their signature.
Do you represent a specific insurance company?
Do you represent a specific insurance company?
No. ccMyAgent is an independent agency. That means we represent you—not any one insurance company—and we shop around to find the best available options.
Is there a fee for working with an agent?
Is there a fee for working with an agent?
No. Our services are free to you. We are paid by the insurance carriers when you purchase a policy. You will never be charged a consultation or service fee.
What if I change my mind after buying a policy?
What if I change my mind after buying a policy?
Most policies include a "free look" period (usually 10–30 days) during which you can cancel the policy for a full refund. Your agent will let you know how this applies to your specific plan.
Can you help me compare different insurance options?
Can you help me compare different insurance options?
Yes! One of our main goals is to help you compare quotes, coverage, and benefits from different companies so you can make the most informed decision.
Yes! One of our main goals is to help you compare quotes, coverage, and benefits from different companies so you can make the most informed decision.
Do I need to pay now?
Do I need to pay now?
In most cases, no upfront payment is required just to get a quote or start the application. However, payment may be required to activate the policy once you’re approved. Your agent will walk you through the timing and payment options based on the type of coverage you choose.
In most cases, no upfront payment is required just to get a quote or start the application. However, payment may be required to activate the policy once you’re approved. Your agent will walk you through the timing and payment options based on the type of coverage you choose.
What types of insurance do you offer?
What types of insurance do you offer?
We offer life, health, disability, long-term care, supplemental insurance, dental and vision. As independent agents, we work with multiple carriers to find coverage tailored to your needs and budget.
How long will it take for me to be approved?
How long will it take for me to be approved?
Some policies can be approved the same day, while others may take a few days to a couple of weeks, depending on the provider. We’ll keep you updated every step of the way.
Can I Get Health Coverage Outside of Open Enrollment?
Can I Get Health Coverage Outside of Open Enrollment?
Yes, you may still be able to get health coverage outside of the Open Enrollment Period through the following options:
1. Special Enrollment Period (SEP)
You may qualify for a Special Enrollment Period if you’ve experienced a qualifying life event, such as:
Losing other health coverage (e.g., job loss, aging off a parent's plan)
Getting married or divorced
Having a baby or adopting a child
Moving to a new area with different plan options
Becoming a U.S. citizen
Leaving incarceration
You typically have 60 days from the date of the event to enroll in a new plan.
2. Short-Term Medical (STM) Plans – Available All Year
If you don’t qualify for a Special Enrollment Period and need coverage quickly, Short-Term Medical (STM) plans can provide temporary health insurance. These plans:
Are available to apply for year-round
Offer coverage for 30 days up to 12 months, depending on the plan and state
Typically have lower monthly premiums
Are ideal for gaps in coverage due to job changes, missed enrollment periods, or other temporary situations
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