What types of health insurance does Florida Healthcare Insurance focus? And what type insurance do we recommend? Sometimes the perfect storm lines up and you’re faced with the daunting task of finding health insurance for you and/or your family. And the first question you might ask yourself is, “What type of health insurance should I get?” That’s where Florida Healthcare Insurance comes in — we are proud to be your number one resource! 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.
What’s Your First Step In Your Search For Coverage?
There are a plethora of health insurance and Medicare agencies that offer similar services, so why choose us? Well, with over twenty years of experience in Health Insurance, Medicare, and Medicare Supplements, we know the right questions to ask to simplify the insurance buying process and make sure you’re receiving the quality coverage you deserve — just check out the hundreds of five-star reviews here!
Obviously, when it comes down to it, all that matters with your health is making sure you have the right care and treatment when you need it, wherever you are in the world. However, with the seemingly countless health insurance options, so how do you know which plan is right for you? Should you choose based on hospital access, or which countries you think you may need treatment in, or should you choose based on monthly premium or pre-existing coverage? What types of insurance do we recommend? 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.
What Types of Health Insurance We Recommend
We Recommend: Short Term Health Insurance
When exactly is short term health 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! You can rest easy knowing most of the Short Term Health Plans offered use national networks like Cigna, United, and more! You can be in-network wherever you go!
If you are considering a short-term insurance plan, our agents are happy to 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.
Want to learn more about short-term health insurance? Click below!
We Recommend: 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 its 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 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.
We Recommend: Medicare
In addition to the individual and group health insurance, we also recommend Medicare Insurance as well! As our country’s health insurance plan for people aged 65 and older, Medicare is important to keeping Americans healthy. But, if you’re looking around for the right Medicare coverage for you, you know that it can be a tedious, time-consuming process. With the complexities of the Medicare system and your unique personal needs, it’s easy to get frustrated when you’re on the hunt for coverage.
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. Again this can be confusing so before you begin call us and we will advise what insurance we recommend.
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 email@example.com. We are hear to answer all of your questions on what insurance we recommend for you and your family.