Affordable Health Insurance & Florida Health Insurance
Health insurance is confusing today! When do you enroll? What is open enrollment? Do you have to enroll in an Obamacare insurance plan? Will your pre-existing conditions be covered? Allow the Florida insurance specialists at dp Brokerage, Inc. to answer all of your questions and guide you through the entire process. We are ready to help you find health insurance in Jacksonville, FL.
What Is the Affordable Care Act?
Since the inception of the Affordable Care Act, health insurance is offered during an annual open enrollment period in the fall of every year. If you do not have coverage, open enrollment is the time to enroll. The health policies offered no longer contain any pre-existing condition clauses, so all your health conditions are covered. You are also eligible to apply if you have any life events during the year. These are called Special Enrollment Periods (SEP). Getting married, divorced, having a baby, and any loss of coverage are all SEPs. You only have a limited time to apply after the event, so do not delay.
Why You Need Florida Health Insurance?
When you have health insurance, the insurance company pays a portion or all of your medical expenses (depending upon your policy and benefits). If you get sick or need a hospital or emergency room visit, your health insurance policy covers those costs. Depending on the benefit you choose, you could have copayments, deductibles, and other expenses that are your responsibility.
If you experience a catastrophic medical event, you can count on your Florida health insurance policy to pick up the majority of your expenses up to the maximum out-of-pocket you’ve selected. Generally, the higher your health insurance premium, the less your out-of-pocket expenses would be. Qualified health plans (ACA qualified) now offer certain essential health benefits:
- Ambulatory Patient Services
- Emergency Services
- Laboratory Services
- Maternity and Newborn Care
- Mental Health & Substance Use Disorder Services
- Behavioral Health Treatment
- Pediatric Services, including Oral and Vision Care
- Prescription Drugs
- Preventive & Wellness Services
- Chronic Disease Management
- Rehabilitative/Habilitative Services & Devices
Should You Go to Healthcare.gov to Apply?
How does the Healthcare.gov application process work? As part of the Affordable Care Act, the government has set up Health Insurance Marketplaces (Exchanges) where insurance companies offer their plans. The application process on the Exchanges identifies if you are eligible for a government subsidy. If you are eligible, the subsidy is directly applied to your premiums each month or taken as a tax credit at the end of the year.
The amount of subsidy you receive is based on your household income. We use calculators that tell us if you qualify for a subsidy after you answer a few general questions. Our agents walk you through the subsidy application process and assist you in selecting a plan that fits your medical needs and budget.
Choosing a Plan
There are so many options and factors to consider when choosing a Florida health insurance plan: PPO, HMO, Networks, Platinum, Gold, or Silver. Which should you choose, and how do you choose? We sit down with you and review all the carriers and your options. When we’re through, you’ll identify the plans with the best networks and most flexibility. Our agents are familiar with all the carriers and the ones that offer the best coverage and networks.
Contact the Florida insurance specialists at our business when you have more questions about health insurance in Jacksonville, FL. We can fill in all the blanks and clear up all the health insurance confusion. We serve clients in Jacksonville and the surrounding areas.