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Fahra Augustin · Licensed insurance agent

Insurance that makes sense. Support that feels personal.

Explore health, Medicare, dental, vision, supplemental and life insurance options with clear, one-on-one guidance across 17 licensed states and territories.

Apply for ACA coverage — English Solicitar cobertura ACA — Español Call 561-577-5593 Request a conversation

Start your secure self-enrollment application online, or contact Fahra for free, no-obligation guidance.

Coverage guidance
HealthMedicareDentalVisionSupplementalLife

The right questions come before the right plan.

Insurance is personal. Fahra helps you understand the tradeoffs, compare options and move forward with a decision that fits your situation.

Health insurance

Guidance for individuals and families comparing coverage for everyday care and unexpected needs.

Medicare options

Clear explanations that help you understand available Medicare coverage and the questions worth asking.

Dental & vision

Explore coverage that supports routine checkups, ongoing care and the benefits you expect to use.

Supplemental & life

Discuss added protection for the moments when a primary health plan may not tell the whole story.

Start with a useful answer.

Estimate where you stand, sort out your next step, prepare a carrier comparison or send Fahra the details needed to begin.

01 · 60-second savings lane

See your household’s income range

Get an educational estimate of your income as a percentage of the federal poverty guideline. Your official Marketplace application determines any savings.

Uses published 2026 guidelines for the 48 contiguous states and D.C. View guideline source.

02 · Coverage path quiz

What should you do next?

Answer five quick questions for a practical starting point.

03 · Carrier fit guide

Compare more than the logo

Choose what matters and get a personal comparison checklist.

Priorities
04 · Quote starter

Send the basics without a phone tree

Create a ready-to-send text with the non-sensitive details Fahra needs to start. Never include Social Security numbers, banking details or documents in a text.

05 · Ask a question

Get help from Fahra

Start a text about enrollment, a bill, a claim, a doctor or a prescription. For private information, call instead of texting.

Text a question Call Fahra
06 · Free tips

Get deadline reminders

Ask Fahra for plain-English enrollment reminders and coverage tips. You choose when to opt in by sending the text.

Text “TIPS” Ask by phone
08 · Local guide finder

Find guidance for your city

Choose one of Fahra’s licensed states, then open a city guide built around the local details you need to verify.

A full library, not just a landing page.

Use dedicated planning tools and plain-English coverage guides before you call. Each page is built to help you arrive with sharper questions.

PLANNING TOOLTotal cost estimatorModel premium plus expected medical spending.Open tool → ENROLLMENT TOOLLife-event window checkerMap a common event to a planning deadline.Open tool → COMPARISON TOOLSide-by-side plan worksheetCompare the numbers that affect your year.Open tool → PREP TOOLDoctor & prescription listBuild a downloadable call-prep checklist.Open tool → COVERAGE GUIDEIndividual & family healthUnderstand networks, costs and plan types.Read guide → COVERAGE GUIDEMedicare conversation prepOrganize the questions that shape a review.Read guide → COVERAGE GUIDEDental & visionLook beyond the monthly premium.Read guide → COVERAGE GUIDESupplemental & lifeDefine the gap you want coverage to address.Read guide → LOCAL GUIDELake Worth coverage guideA local starting point for Palm Beach County.Read guide → REFERENCEInsurance glossaryDecode common plan language quickly.Browse terms → SERVICE AREA17-area local guide directoryBrowse state, territory and city pages across Fahra’s licensed service area.Explore locations →

Local guidance across 17 licensed states and territories.

Start with your state, then open a city guide for the ZIP, provider, prescription and enrollment questions that shape a local comparison.

Call Fahra

No matching licensed state or featured city. Call Fahra to check your location.

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A simpler way to sort through coverage.

No rushed decision. No wall of jargon. Just a focused conversation and a clear next step.

Share what is changing

A move, a birthday, a job change, retirement or a growing family can all reshape what coverage needs to do.

Compare the details that matter

Look beyond the monthly premium to networks, prescriptions, benefits and total out-of-pocket costs.

Make an informed choice

Understand the tradeoffs before you decide, then get help navigating the enrollment process.

A little preparation makes the conversation count.

You do not need every answer before you call. These details can help focus the discussion.

  • Who needs coverage and the ZIP code where they live
  • Preferred doctors, hospitals and regular prescriptions
  • Your current coverage and any deadline you are working toward
  • The monthly budget and benefits that matter most to you

Let’s make your next coverage decision clearer.

Connect directly with Fahra Augustin for a personal conversation about your insurance options.

Call 561-577-5593 Send a request
Library/Total cost estimator

Planning tool

Estimate the cost of a plan year.

Premium is only one part of the budget. Use a simple scenario to see how deductible, coinsurance and the out-of-pocket maximum can interact.

Build a scenario

This simplified model is educational. Copays, services before the deductible, network rules and excluded care can change actual costs.

Library/Life-event window checker

Enrollment tool

Put a date around your life change.

Many qualifying events use a 60-day enrollment window. This tool gives you a planning date—not a final eligibility decision.

Check a common event

Library/Plan comparison

Comparison tool

Put two plans on the same page.

Compare annual premium exposure, deductible and out-of-pocket maximum without losing the provider and prescription details that can decide the real winner.

Plan A

Plan B

Library/Doctor & prescription list

Preparation tool

Bring the details that prevent surprises.

Create a simple file you can use while checking networks and formularies. Do not include member IDs, Social Security numbers or payment information.

Choose what to collect

Library/Individual & family health

Coverage guide

Choose around the care you actually use.

A strong comparison starts with the full year—not just the first monthly premium shown on a plan card.

Four filters that matter

  1. Network: confirm doctors, hospitals and facilities against the exact plan name.
  2. Prescriptions: check the formulary, tier, restrictions and preferred pharmacy.
  3. Total cost: compare premium, deductible, copays, coinsurance and out-of-pocket maximum together.
  4. How you get care: consider referrals, virtual care, travel and out-of-area rules.

Before enrolling

Save the plan’s Summary of Benefits and Coverage, verify important providers directly, and understand when the coverage begins. A carrier name alone does not tell you which network a specific plan uses.

Library/Medicare preparation

Coverage guide

Prepare for a Medicare review.

Organize your timing, doctors, prescriptions and priorities before comparing plan options.

Bring these details

  • Your Medicare effective dates and any current coverage cards.
  • A complete prescription list with dosage and preferred pharmacy.
  • Doctors, specialists, hospitals and care facilities you want to keep.
  • Travel patterns, dental and vision priorities, and a realistic budget.

Questions worth asking

Ask how referrals work, what happens out of network, how drugs are covered, whether prior authorization applies, and what support is available after enrollment. Benefits and provider participation can change, so review the exact plan evidence for the coming year.

Library/Dental & vision

Coverage guide

Read the benefit schedule, not just the price.

Dental and vision plans can look simple until waiting periods, annual maximums and network pricing enter the picture.

Dental annual maximumThe plan’s yearly payment cap is different from a medical out-of-pocket maximum.
Waiting periodsMajor services may not be covered immediately after the policy begins.
Service categoriesPreventive, basic and major care can each use different cost sharing.
Vision allowancesCheck exam frequency, frames or contact allowances, and network rules.

Compare against expected use

Add the annual premium to what you expect to spend under the benefit schedule. Then compare that with paying cash, especially when you already know you need a specific procedure, frames or contacts.

Library/Supplemental & life

Coverage guide

Start with the financial gap.

Supplemental and life coverage make more sense when the risk, benefit trigger and household need are clear first.

For supplemental coverage

Ask what event triggers a benefit, whether payments go to you or a provider, what is excluded, and how the policy coordinates with major medical coverage. A cash benefit does not replace comprehensive health insurance.

For life coverage

List debts, income replacement, final expenses, dependents and the length of time the need may last. Then compare term, benefit amount, underwriting and policy features against that purpose.

Keep the paperwork useful

Make sure beneficiaries know a policy exists and where to find the carrier and claim information. Review beneficiary choices after major life changes.

Library/Lake Worth guide

Local coverage guide

A Lake Worth starting point.

Plan availability and provider networks can vary by ZIP code and county. Begin with where you live, then narrow the comparison around your household.

What to have ready

  • Your five-digit ZIP code and the ages of everyone who needs coverage.
  • Expected household income for the coverage year.
  • Current coverage, employer offers and any recent loss of insurance.
  • Preferred Palm Beach County doctors, hospitals and pharmacies.

Why exact plan names matter

A carrier can offer more than one network in the same area. Ask a provider about the full plan and network name—not only the insurance company—then confirm with the carrier before enrolling.

Library/Glossary

Reference

Insurance language, in plain English.

Search the terms that tend to appear while you compare health plans.

Allowed amount
The plan’s negotiated or recognized amount for a covered service. Your cost sharing is often based on this figure.
Coinsurance
The percentage of a covered service you pay after the deductible, when the plan uses coinsurance.
Copayment
A fixed amount you pay for a covered service, such as a visit or prescription.
Deductible
The amount you pay for certain covered services before the plan begins sharing those costs.
Formulary
The plan’s covered-drug list, often divided into cost tiers and subject to rules.
Network
The doctors, facilities and other providers contracted with a plan under specific terms.
Out-of-pocket maximum
The most you pay in a plan year for covered in-network services counted toward the limit; premiums are not included.
Premium
The recurring amount paid to keep coverage active, whether or not you use care.
Prior authorization
Approval a plan may require before it covers certain services or prescriptions.
Special Enrollment Period
A time outside annual Open Enrollment when certain life events may let you enroll or change coverage.

No matching term. Try a broader word.