For whatever reason life decides to throw at you, if you find yourself faced with the daunting task of finding health insurance for you and/or your family, we want to be the first company you call! We know purchasing life insurance is not only a major investment, but there are so many options and subsidies you could qualify for that it’s easy for anyone to get confused. But we are here for you! Not to “toot our own horn” but at Florida Healthcare Insurance, we pride ourselves in our 20+ years experience and fully trust that our expert agents can help you find the best coverage at the most affordable price. We comparison shop to find the best insurance plan that fits into your budget — while receiving superior customer service.
So first things first — you need health insurance. What kind of health insurance plan do you need and/or qualify for for you and/or your family? Let’s look over the different types of health insurance coverage that FHI focuses on and see if any of these plans are right for you.
Short Term Health Insurance
When exactly is short term insurance a good idea? Healthy individuals might benefit from a short-term health plan that provides coverage at lower premiums if you are between plans, or if you are unable to apply for the Affordable Care Act because the Open Enrollment deadline passed. Short Term Health Insurance can provide coverage for preventive care, doctor visits, urgent care, emergency care, and even prescriptions. Plans can cover you for as little as one month or as long as three years! Great news — most Short Term Health plans use National Networks like United Healthcare and Aetna so you can be in-network wherever you go!
If you are considering a short-term insurance plan, the experts at Florida Healthcare Insurance can find the best coverage for you. Without the hassle of shopping for policies on your own, you can make sure that your health is consistently protected. Our seasoned agents have extensive experience in the world of insurance. They can help you determine if and when a short-term insurance plan is right for you. Then, with comprehensive information about available short-term plans at their fingertips, our agents can track down the ideal policy for you. Our efficient, experience-backed process will save you the hassle of trying to find coverage alone.
Want to learn more about short-term health insurance? Click below!
Affordable Care Act (ACA) Marketplace Insurance
This comprehensive health care reform law enacted in March 2010 (sometimes known as ACA, PPACA, or “Obamacare”) has three primary goals for someone who is in need of health insurance:
• Make affordable health insurance available to more people. The law provides consumers with subsidies (“premium tax credits”) that lower costs for households with incomes between 100% and 400% of the federal poverty level (FPL).
- If your income is above 400% FPL, you may still qualify for the premium tax credit in 2022.
- If your income is at or below 150% FPL, you may qualify to enroll in or change Marketplace coverage through a Special Enrollment Period.
• Expand the Medicaid program to cover all adults with income below 138% of the FPL. (Not all states have expanded their Medicaid programs.)
• Support innovative medical care delivery methods designed to lower the costs of health care generally.
The great news about coverage through the marketplace is that we are able to take the minutia out of your search and help you find the subsidies you can qualify for and the right plan for you! We will help you determine first if you are eligible to use the marketplace, help you preview health prices and prices to get an estimate, explain what each marketplace plan covers, including treatment for pre-existing medical conditions and other essential health benefits, when you are eligible for enrollment, and benefits after your coverage begins.
Protecting your family’s health is priority, but also important is your wallet! It’s important to protect your wallet from unexpected healthcare costs. Thankfully, we can help you select a family health insurance plan that keeps both your family and finances healthy.
Medicare
Dun, dun dunnnnn! The dreaded word — Medicare! If you are turning 65, it is important to understand your Medicare process, your coverage, benefits, and the steps to take to make sure you’re set up for your golden years.
Medicare is a federal health insurance program that offers benefits to American citizens as well as permanent legal residents (of a minimum of 5 consecutive years) aged 65 and older, or those who have a qualifying illness or disability.
A majority of people are automatically enrolled in Original Medicare, Part A, and Part B when they reach eligibility. On the other hand, some people need to enroll in Medicare manually. In simple words, Medicare Part A is basically hospital insurance, whereas Medicare Part B is medical insurance.
What Information Do I Need To Get Started?
Begin by gathering this information so it is available when you actually need it:
• Social Security Number
• Medicare number (this can be found on the white, red, and blue Medicare card)
• Medicare plan enrollment
• Other insurance plans and policy numbers, including long-term care insurance
• Contact information for health care providers, such as nurses, doctors, pharmacies, hospitals, and medical suppliers
• List of present prescription dosages and drugs
• Current health symptoms, conditions, and treatments
• History of previous health issues
• Food restrictions or allergies
• Emergency contacts, such as family, close friends, housing manager, or clergy
• Legal and financial information
Confusing? That is why we are here! We can help you determine if you’re paying too much for your Medicare coverage. Let us analyze your situation, free of charge and determine which options are available and best for you.
There is a reason we are the number one agency for Medicare and Health Insurance in Coral Springs and Parkland, Florida! Give us a call today — we are ready and waiting to help!
For questions or information, please call Evan Tunis at 954-282-6891 or email him at estinsurance@gmail.com.
