Health Insurance
Seguros de Salud
Miami, florida, westchester, kendall, west kendall, homestead, weston, ft Lauderdale, tampa, st Petersburg, coral gables, coconutgrove
Thank you for visiting Defillo Insurance Services. The ACA (Marketplace) enrollment period begins November 1st and ends January 15th, 2025. Exceptions: If you have a life-changing event,
you may be able to apply before or after the official enrollment period.
*** ACA ( Under The Patient Protection Affordable Care Act) plans cover pre-existing conditions.
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"Qualifying life events can allow you to enroll in a new health insurance plan or modify an existing one outside the Open Enrollment Period. These events include changes in your household, residence or loss of health coverage. Take advantage of these opportunities to ensure you have what you need."
Florida health insurance - Comprehensive coverage. Coverage for your needs.
Maria R. Defillo is dedicated to providing quality service and helping you find a plan that meets your needs. With 26 years of experience and knowledge as an agent, she will guide, educate, and assist you in finding personalized solutions for your health insurance needs.
I understand that health insurance can be complex and confusing, so I will take the time to listen and provide you with suitable options. I look forward to assisting you on your journey to find your plan. ~ Maria Defillo
Frequently Asked Questions
Q1. What do I need to know when selecting
a health insurance plan?
A1. When selecting a health insurance plan, it’s important to consider coverage limits, premiums, and out-of-pocket responsibilities. It is also important to ensure your doctors or providers, specifically hospitals, are in-network and that your medications are covered under your plan. It is essential to understand an HMO vs an EPO or PPO.
Q2. What is my financial responsibility for medical services?
A2. Do not just focus on the monthly cost (premium); you will have financial responsibilities (Cost Sharing) when you need medical services, depending on your chosen plan.
The keywords are Copays, Deductible, and Coinsurance, which are your out-of-pocket costs up to the maximum annual limit outlined on the plan.
Q3. What is a tax credit?
A3. It is financial assistance you may be able to receive based on your income level, which can reduce the montly cost of your health insurance significantly.
Health insurance broker kendall
For 26 years, Maria R. Defillo has been providing insurance solutions to individuals and families. With her expertise and friendly approach, she has built a strong reputation for delivering excellent service and customized insurance plans to meet the specific needs of her clients.
~ Live Well, Insure Wisely.
Call Today! Maria Defillo (305) 595-2954
