Why Work With a Florida Health Insurance Broker?

Why work with a Florida Health Insurance Broker? Whether you’re an individual, a start-up or an established insurance company, there comes a time when health insurance for your employees arises. When determining plans and insurance carriers, most consider hiring a Florida Health Insurance Broker or agent to guide them through the health care process.

Today we’re here to talk about the reasons why you should work with a FL health insurance broker and a team like for your insurance needs.

What Exactly is a FL Health Insurance Broker?

Let’s start at the beginning with your health care and costs that come with it. health insurance brokers from an insurance agency is a licensed professional who sells insurance plans from a variety of companies. As Florida Healthcare Insurance, an agent of ours can do more give you a free quote and sell health insurance.

When you work with a FL Health Insurance Broker like us, you’ll find we wear “all the hats”! From health plan designer to financial advisor, we lend a listening ear and help you find the coverage that best fits you. For small employers, we provide valuable service when it comes to communicating, purchasing, and disseminating your policy.

We pride ourselves as the go to advisor to help you and/or your company navigate this complicated process.

What are the Benefits of Working with a Broker?

The health insurance market has been shifting over the years and becoming much more competitive. At Florida Healthcare Insurance, we find the best way to navigate the ins and outs is to partner with a Broker like us. For individuals, we’re able to explore an array of health policies and help you find cost-effective solutions and savings that would otherwise be difficult to obtain on your own. We determine what you’re eligible for and what you and your family will need.

If you’re a small employer, Florida Healthcare Insurance can be a great asset to your company. We’re able to provide market insights to what other companies in the area are choosing in terms of plan designs or what is appealing to clients in your business sector. Our goal is to work with you on available options and design a competitive, cost-effective benefits package.

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!

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, no matter wherever you are in the world. However, there are a plethora of 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?

All great questions — and luckily, Florida Healthcare Insurance can simplify everything for you. Our focus is always providing you with quality care and guidance. We are ready to listen to your needs, help you compare each plan and then walk you through the fine print to ensure you are comfortable with your decision.

Let’s Help You Make The Right Choice

Health insurance and Medicare remain important to keeping Americans healthy and we know how time-consuming the insurance process can be on an individual, but with our help, you can skip the shopping process and let us help you find the ideal health plan that is right for you.  

We want to take out the hassle of shopping for health insurance for you; there are a ton of confusing terms and the process is anything but simple. Navigating the marketplace — on a deadline — sounds like a mess — and we can help you! Whether you’re aging out of your parents plan and picking one for the first time, or you’re in a plan that does not work for you, is too expensive, and are ready to switch it up, or you’re uninsured and want to see if you have any options, there’s good news! You can give us a call, and we can help you through the process!

Also, here are some tips on what to look out for when shopping for an insurance plan:

Tip #1 Know Where To Go

It’s not always obvious where to look for health insurance, and you don’t want to end up clicking on the wrong thing and signing up for something you don’t need. The place to go is healthcare.gov — and yes, there are a bunch of links that can take you to where you need to go, but if you’re confused, your best option is to reach out to us! We can help you navigate the site, help you find your options and sign you up for coverage.

Tip #2 Familiarize Yourself With Insurance Terms

Deductibles, subsidies, premiums, and more — these are just a few terms thrown around in the insurance world, and in order for you to fully understand your coverage and what your insurance plan offers, it’s important for you to familiarize yourself with insurance terms. The more you are aware of the insurance process, the terms, and how it works, the better you’ll be able to shop for plans or converse with your agent about what you’re looking for.

Tip # 3 Know Your Deadlines

This year, the open enrollment period for marketplace plans is from November 1st, 2023 and runs until January 15th, 2024. It’s important to get ahead of the game and not wait until the last minute to start looking for coverage.

Overwhelmed? We get it — and that’s why we’re here to help you! We take pride not only in being a family owned and operated agency, but also the #1 agency in Coral Springs and Parkland! Give us a call today — our agents are ready and waiting to help!

Extra Tips to Consider When Shopping for Health Insurance Florida

Health needs can change each year, and so can your health insurance coverage choices. We know how important it is to understand your options and can help you find the best coverage that fits your exact needs and budget. Since fall open enrollment is around the corner, we listed a few tips to consider when choosing your health insurance plan.

Understand your options

Whether shopping for a plan for the first time or simply evaluating your current plan, it’s important to take the time to understand and compare the benefits, services, and costs of each plan to help find what will work best for you. We can take of this for you easily and can help you stay informed, understand the health insurance lingo, and make sure to help answer questions about eligibility, plan choices, cost basics, prescription coverage, and more.

Check your prescription benefits

We can help you get the most out of your prescription benefits to help manage costs by looking into lower-cost alternative that may be available such as discounts, generics, and more. We can also help you find out whether you can save by filling your prescriptions at a participating network pharmacy or with mail delivery.

Anticipate next year’s health expenses

If you’re expecting a significant health change in the next year like a major diagnosis, surgery, or the birth of a child for example, we can help compare the differences between plan designs, including out-of-pocket maximums.

Consider an insurance plan with the convenience of virtual care

If you’re like most Americans, juggling work, kids, schedules, and other responsibilities, you may want to consider connecting with your doctor from the convenience of your home. We can help you select a plan that includes 24/7 virtual care, designed to be an easier, more affordable way to communicate with doctors over common health issues.

Check for mental health coverage

Now more than ever, mental health has become a forefront in importance for caring for your overall well-being. In addition to in-person care, there are plans that allow access to a large virtual health network of therapists and psychiatrists, often with $0 copay.

Consider wellness programs

Many health insurance plans now offer incentives that reward individuals on making healthier choices and actions like completing health surveys, exercising or avoiding nicotine. Some plans may even offer gym memberships and wellness programs to members at no additional cost.

Specialty benefits

Additional benefits like dental, vision, hearing or critical illness insurance are often available to help protect you and your loved ones, while contributing to overall well-being.

Questions? We’re happy to help — just give us a call! Our expert agents take the time with you to make sure you are taken care of. We’re the number one health insurance agency in Coral Springs and Parkland!

What types of health insurance does Florida Healthcare Insurance focus on?

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 at the Best Price

When exactly is short term insurance a good idea? Healthy individuals might advantage 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’re 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 licensed 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 here!

Short-Term Insurance Plans for Coral Springs, South Florida

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 help 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’s 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’s why we’re 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’s a reason we’re the number one agency for Medicare and Health Insurance in Coral Springs and Parkland, Florida! Give us a call today — we’re ready and waiting to help!

For questions or information, please call Evan Tunis at (954) 282-6891 or email him at estinsurance@gmail.com.

Why Choose Florida Healthcare Insurance?

As a trusted and well-established company, Florida Health Insurance has the experience to serve your health coverage needs. We provide comprehensive, personalized services to obtain the best health insurance plan for your needs. In addition, we are a licensed, independent insurance agency, with no allegiance to any one insurance company. Finding your perfect match in health insurance coverage is always our priority.

Leave the legwork of finding health insurance to us. It’s what we do well! And here’s something you should know, because it’s important. When we call you with results and quotes, you’ll be talking to an insurance expert with extensive experience in the field. You will not be called by someone who has no track record dealing with Florida health insurance plans and just got their license to sell.

Meet with our skilled team to discuss your insurance needs. Once we know what type of coverage you’re seeking, we’ll track it down for you. But, even after we find the right policy for you, our health insurance services don’t come to an end. We’ll continue to review your policy over time to ensure that it’s continuing to meet your needs.

From the Coral Springs area in South Florida to any other region in Florida, we’ll help you at every step along the way of selecting a health insurance policy. With a detailed understanding of health insurance plans in Florida, we know how to find the ideal match for varying needs and budgets.

The bottom line? We offer peace of mind. Our purpose is to provide exceptional service. Healthcare insurance is necessary in keeping Americans healthy, and we know how time-consuming the shopping process can be. With our help, we can ensure you not only receive the quality service you deserve, but also guarantee a health plan that matches exactly what you need. Call us today!