GetFastRates.com
Insurance myths answered without the runaround.
Use these careful explanations to sort fact from assumption before you make a coverage decision or call for licensed help.
Do red cars cost more to insure?FALSE: Color is not usually a rating factor for personal auto insurance. Carriers commonly look at factors such as vehicle type, garaging location, driver history, usage, coverage choices, and state rules.Can I buy insurance after an accident?IT DEPENDS: You may be able to buy insurance for future events, but a new policy generally will not cover a loss that already happened before coverage started. Claim timing and policy effective dates matter.Does Medicare cover dental?IT DEPENDS: Original Medicare generally does not cover most routine dental care, but some Medicare Advantage plans or separate dental coverage may include certain dental benefits. Details vary by plan and location.Can I stay on my parents health insurance until 30?FALSE: Under federal ACA rules, many young adults can stay on a parent's health plan until age 26. Some state or plan-specific situations may differ, but 30 is not the general federal rule.Does homeowners insurance cover mold?IT DEPENDS: Mold coverage depends on policy language, cause of loss, exclusions, limits, maintenance issues, and state rules. Some sudden covered water losses are treated differently from long-term problems.Does life insurance cover suicide?IT DEPENDS: Life insurance policies often include contestability periods and suicide clauses. Whether a claim is payable depends on policy terms, timing, state rules, and claim review.Is the cheapest plan always best?FALSE: The cheapest premium is not always the lowest total cost or best fit. Deductibles, networks, prescriptions, out-of-pocket exposure, benefits, and timing can change the practical value.Does health insurance start immediately?IT DEPENDS: Health insurance effective dates depend on the plan, enrollment date, payment, enrollment period, qualifying event, and carrier or marketplace rules. Immediate coverage should not be assumed.Can I change Medicare plans anytime?FALSE: Medicare plan changes usually depend on enrollment periods, special circumstances, plan type, and location. Some windows are annual, while others require a qualifying situation.Does ACA insurance cover pre-existing conditions?TRUE: ACA-compliant major medical plans generally cannot deny coverage or charge more because of pre-existing conditions. Enrollment timing, plan choice, networks, and costs still matter.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.