Health Insurance services in Miami
and throughout Florida.
Miami Health Insurance
Miami health insurance agent
If you are here it's because you are looking for Health Insurance options, and I look forward to being of service.
Signing up for Health Insurance is a good decision: It will protect YOU financially in the event of a sudden illness or accident; without the coverage, you may get stuck with sky-high bills if you end up in an emergency room visit or have to be hospitalized-not having health coverage means you have to pay 100% out of your pocket.
There are four ways to go about health insurance:
1-ACA (Also Known as Marketplace or ObamaCare Plans)
2-Non-ACA plans (known as short-term plans)
3-You can Self Insure.
(Maybe a good option if you are a millionaire).
4-Medicaid (if you barely make any income).
** You have choices when searching for coverage:
You can go online, shop directly, or you can get personal assistance and guidance to narrow down the many options from an experienced agent. I have been actively working and assisting individuals-families with their insurance in the State of Florida since 1998.
THE COST: The amount you pay per month for your health insurance in Florida will vary by the plan that you select; it will also depend on your zip code, your age, and how many people are in your household (dependents, filing taxes together), and what your expected annual income will be for the year in which you are applying for coverage. Many people benefit from the extra help and end up paying around $50 or even less per month. This is thanks to "The American Rescue Plan" signed by President Biden. Prior to the law a lot of people did not qualify for extra help due to a higher income range. Presently many are benefiting and saving a lot of money on health coverage.
Health Insurance is never a “one size fits all.” There are many plans, many options, copays, deductibles, coinsurance, and networks. All of this can be overwhelming. My commitment is to listen to your concerns, understand your goals, then provide the solutions that are a good fit based on your current needs— Providing Insurance Services with integrity, simplicity, and friendliness since 1998.
A nugget of information:
To clarify what ACA stands for?: It is "The Patient Protection Affordable Care Act" Law, also known as Obamacare. These types of policies have essential benefits that are not offered within the NON-ACA plans and also have different regulations. One major difference is that ACA plans do cover pre-existing conditions from day one.
Some of the ACA essential benefits that are covered: Mental health, free annual preventive exams, maternity.
Health Insurance KEYWORDS to pay attention to when selecting a plan; these represent your out-of-pocket responsibility when you use medical services: Copay - Deductible - Coinsurance- Maximum-out- Of pocket.
For assistance call (305) 595-2954
I look forward to meeting you, and the opportunity
to be of service.
Maria R. Defillo
Maria R. Defillo is an Independent -Agent/Broker that will help you to understand your Health Insurance options and help you find a plan that is
a good fit based on your specific needs.
Florida License #A297431
Located in Miami and provides services throughout the State of Florida,
Office Tel # (305) 595-2954