Health Insurance

in Florida

Health Insurance - Seguros de Salud

Are you looking for health insurance for yourself and/or your family? Do you live in or are planning to move to Florida? Do you want to have a reliable agent that will explain, assist, and make the process easier? If the answer is yes, keep reading.

What is an ACA plan: The Patient Protection Affordable Care Act" known as ACA/or Obamacare 2021, and the enrollment for these plans will begin Nov. 1st and will end on Dec. 15th. All the policies selected during the enrollment period will become effective on January 1st, 2021.

So what is so important about ACA plans?

#1 ACA plans cover pre-existing conditions.

#2 That they have 10 essential health benefits:

Ambulatory patient services (outpatient care you get without being admitted to a hospital)
Emergency services
Hospitalization (like surgery and overnight stays)
Pregnancy, maternity, and newborn care (both before and after birth)
Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
Prescription drugs
Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
Laboratory services
Preventive and wellness services and chronic disease management
Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)

#3 You may be able to qualify for financial assistance based on your income, and this will help you lower your monthly payments, and also get a plan with lower out-of-pocket costs.

Go below and request the 5 tips that will help you select and understand insurance terms, this will make it easier to select a plan, and one of the best ways to start getting ready.

* Question: So what happens if someone has LOST their coverage through an employer, or have had a change in immigration status, moved from a different state, or county, just got married or divorced...etc? Answer: Then they/you may apply for an ACA/Obama care plan outside of the enrollment period, however, they/you will only 60 days to enroll. (These life circumstances are considered a qualifying event or Special Enrollment Period) They/You depending on the income range may also be able to get financial assistance to lower the monthly payments. Call and find out about your options!

Other alternatives: If you miss the ObamaCare enrollment period, you are healthy, and just want emergency & hospital coverage, then there are other options: These are called Short Term Plans.

You can apply year-round, but you must qualify by answering a medical questionnaire. These are known as Non-ACA plans.

Note: Short Term Plans, TriTerm Medical plans are NON-ACA compliant. ACA and Short Term plans have different regulations.

Call or send a request to learn the differences between the ACA plans VS NON-ACA plans - The wording is similar, but the regulations are different.

Important consideration:

For the Florida residents that decide not to apply for health insurance, during the enrollment period, it is important to understand that once the enrollment period ends you will not be able to sign up for the type of insurance that covers pre-existing conditions at a later time unless you have a "Special Enrollment/Change of Life Circumstance". The ACA policies are the only ones that cover pre-existing conditions. Remember, life happens, conditions and things change, so make an informed decision.

If you need assistance with your health insurance coverage, give me a call and I will help and guide you through the process with integrity, simplicity, and friendliness.

Give me a call and I will gladly assist you to find solutions that are the right fit for your specific situation. The service is free!

Maria Defillo

Licensed Florida Agent

since 1998.

Office (305) 595-2954

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