Health Insurance in Fort Lauderdale, Florida –  Your Guide to Affordable Coverage

Health Insurance in Fort Lauderdale, Florida –  Your Guide to Affordable Coverage

Fort Lauderdale Health Insurance

By Evan Tunis

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No one plans or wishes to get sick. But at some point, you’ll need medical care. Worse, it comes when you least expect it. This is where health insurance in Fort Lauderdale comes in handy. Most of the U.S. residents, about 90%, have health insurance. But still, 28 million individuals lack coverage because they think they’ll never use it.

Health insurance won’t benefit you right away. But when you’re sick and require expensive treatment, it will help you cover the costs. It’s just like having auto insurance—you’ll only benefit from the coverage if your car gets in an accident.

Health insurance protects you from unexpected, high medical costs and facilitates access to care.

Why Health Insurance Fort Lauderdale?

Health insurance in Fort Lauderdale, FL, is essential for unavoidable life events that require medical care. In fact, it should be mandatory, just like having auto insurance.

But why should you pay regular monthly premiums to fund your insurance coverage when you barely get sick? What if you never get a chance to use it? We know some of you have questions and doubts about whether or not you should get Florida health insurance.

First, health insurance provides financial protection against unexpected medical expenses. Picture this: you get into an accident today and break your leg.

Do you know how much you will need to fix your broken leg? The cost can go up to $7,500.  And this is just for fixing the leg; you haven’t added other costs like a hospital stay, which can go up to $30,000 per 3-day stay.

If you develop cerebral palsy, you’ll likely need specialized medical services throughout your lifetime, requiring long-term care insurance. This includes routine doctor visits, extended hospital stays, planned surgeries, adaptive equipment and possibly Electrical work in your home.

Without health insurance, you’ll have to pay the costs out of pocket, which could cause financial strains. You may have to seek alternative funding sources like community groups or, worse, go into debt to fund your medical expenses. Health insurance relieves this financial strain while giving you access to quality care.

Health Insurance Options in Fort Lauderdale

Every Fort Lauderdale resident should have access to quality and affordable Florida health insurance. This is why there are various health insurance plans to choose from, including:

  • Employer-sponsored health insurance—Offered by employers as part of their employees’ benefits package.
  • Individual health insurance—you can purchase them directly from an insurance provider or through insurance marketplaces.
  • Medicare and Medicaid—you might be eligible for Medicare insurance if you’re 65 or older. Most Medicare plans are in the form of either Medicare Advantage Plans or MediGap. Medicare also covers people under 65 with certain conditions or disabilities. On the other hand, Medicaid is a joint state and federal program that helps offset medical costs for people with limited incomes and resources. Its includes benefits such as vision, prescription drugs and dental.
  • Affordable Care Act (ACA) Plans—the affordable care act introduced health insurance marketplaces where individuals and families can purchase health insurance plans.

Generally, finding quality health coverage in Fort Lauderdale, FL, is easier, thanks to the many available insurance plans and coverage options.

We recommend the health insurance marketplace, where you can acquire tax credits to help you fund your health insurance premiums.

How to Obtain Health Insurance or Medicare

Do you want to obtain health insurance or Medicare in Fort Lauderdale? The process and ease can vary depending on factors like the insurance plan you’re purchasing and your insurance provider. But generally, here’s a step-by-step guide to obtaining health insurance or a Medicare plan in Fort Lauderdale. You should note the difference between the original medical plans and the medicare advantage plans.

  1. Determine your eligibility

Every health insurance program has different eligibility criteria. For instance, you must be 65 and older to be eligible for Medicare Fort Lauderdale. Therefore, you should evaluate your circumstances and determine the program you qualify for.

  1. Research available plans

Fort Lauderdale has multiple health insurance plans, each with different requirements. When choosing a health insurance plan, consider coverage options, premiums, deductibles, copayments, household size, and provider networks.

  1. Get the necessary documentation/information

When applying for health insurance, you must provide essential information and documents such as personal identification, proof of residence, employment details, and income verification. So, ensure you get the necessary documents for the application, including your Social Security number.

  1. Apply for health insurance

Health insurance marketplace plans must be purchased during the open enrollment period. These plans offer 100% preventive care coverage. Also, services like mental health and pregnancy are included at no additional cost.

Unfortunately, the health insurance marketplace may not be ideal if you’re under the federal poverty level. Also, you must wait for open enrollment unless you have a special case.

The Value of Employer-Sponsored Health Insurance

You could benefit from a health insurance plan sponsored by your employer, which offers excellent value if you’re an employee. These are typically group plans negotiated by the employer with an insurance provider and often provide comprehensive coverage.

Moreover, these health insurance policies are typically more robust and have more extensive networks than individual plans.

Protecting Against Medical Risks

Health insurance also protects you against Fort Lauderdale, FL, medical risks. It’s just like having house insurance to protect against fire and other risks. When the risk occurs, the costs can be devastating, especially if you lack insurance. However, insurance helps you manage the risks and financial fallout.

If you’re a resident of Fort Lauderdale, you can consider the incredible health insurance options offered by the Golden Rule Insurance company and the health insurance marketplace.

The Risks of Not Having Health Insurance

Health insurance is crucial for everyone. Yet some people choose not to purchase health insurance plans, thinking they might never use it or it’s a waste of their money. Many of them choose to save the money instead.

However, not having health insurance comes with certain risks including;

  • Significant healthcare expenses

    If you don’t have health insurance, you must pay the total cost of medical services out of pocket. Sometimes, the medical expenses can become unbearable, forcing you into debt.

  • Limited access to care

    A lack of health insurance limits you from accessing quality care when you need it. This is mainly due to the high cost of medical care.

  • Loss of savings

    Medical expenses could easily wipe out your entire savings if you have no health insurance.

  • Losing out on tax benefits

    Having health insurance allows you to claim certain tax benefits. However, you could lose these benefits if you don’t have health insurance coverage.

Get Your Fort Lauderdale Health Insurance Cover Today

During these tough economic times, the last thing you want is a financial setback. Therefore, if you’re yet to purchase health insurance Fort Lauderdale, now is the time.

Want a quote on Health Insurance in the Fort Lauderdale area? Contact us or give us a call at 954-282-6891. One of our insurance agents will explain everything about our services, including subsidies, dental insurance, vision, and deductibles. We also cover nearby cities, including Cypress Creek, Pompano Beach, Coral Springs, and Parkland.

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