Start with your everyday.
Your doctors, your prescriptions, your budget. Know what you want a plan to do before comparing options.
Nicole Zito · AO American Benefits
Your coverage. Your questions. Let’s work through it.
Nicole Zito
Licensed Agent · AO American Benefits
NPN 20824429 · Powered by USA Benefits Group
Let’s build your coverage profile
01 / 09
Who needs coverage?
Your answers help guide a conversation.
They do not determine eligibility or provide a quote.
Health insurance comes with a lot to compare. Start with what matters to you, then explore your options with Nicole Zito.
- • Plans from A-rated, nationally recognized carriers
- • A licensed advisor in your corner
- • No cost and no obligation to see your options
No-cost comparison • No obligation to enroll
02 / Your next chapter
Coverage starts with
your situation.
Start with your situation.
We'll help you frame the right questions.
01
Working for yourself.
Your business is your own. Explore coverage on your terms.
Explore my next step →02Looking out for them.
Growing families come with new coverage questions.
Explore my next step →03Turning a new page.
Changing jobs or losing a plan? Understand what comes next.
Explore my next step →Get to know your point of contact
Meet Nicole Zito.
Your next conversation starts here.
Protecting your family is at the heart of everything I do. As a dedicated health and life insurance agent, my mission is clear: to safeguard your loved ones with exceptional coverage that won't break the bank. My passion drives me to discover creative solutions tailored to your needs, ensuring peace of mind for you and those you care about most.
Look at the whole picture.
Understand premiums, deductibles, benefits, and exclusions. A monthly price is only part of the story.
Keep the decision yours.
Review available options with Nicole, read the policy details, and take the time you need to decide.
Credentials
Life & Health Insurance Agent
Licensed insurance agent
NPN 20824429
National Producer Number
04 / A few things to know
Good questions.
Honest answers.
What happens when I get started?
You tap who needs coverage, answer a few quick questions like your ZIP and some basics, and then you can book a time to talk with Nicole, or a licensed agent on the team may reach out to you. That conversation is where you see what you may qualify for and what it would cost. The quiz itself is not a quote or an eligibility decision.
Can I keep my doctor?
With a PPO plan you can pick your own doctors and hospitals within the plan's network, and you don't need a referral. Check that your doctors are in the network of the specific plan before you choose.
Do I need to wait for open enrollment?
No. You can apply any time of year instead of waiting for one yearly window. What's offered depends on your state and the carrier.
Do I need a Marketplace subsidy?
No. These private plans don't rely on a government subsidy, so not getting one doesn't rule you out.
Are these ACA or Marketplace plans?
No. AO American Benefits offers private health plans only. They are not ACA Marketplace plans, may not be Qualified Health Plans under the Affordable Care Act, and may not cover pre-existing conditions. Not every applicant qualifies, and benefits, eligibility and costs vary by state, carrier and the actual policy terms.
Is there a cost to compare options?
No. Comparing is free and there's no obligation. The decision stays yours.
Your life. Your next step.
Let’s put your
coverage questions first.
Get started with Nicole No pressure. Just a place to begin.