Health Insurance Quotes Jacksonville Florida Health Plans
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ObamaCare has effected all health insurance companies, healthcare providers and policies throughout Florida and across the United States and it applies to ALL NEW health plans with or without a Federal Subsidy grant.
There are 49 health policies offered in Jacksonville Florida or Duval County with different premiums, provider networks and plan benefits. When trying to decipher the “best option” via the internet remember price is only one of the three key components. You should check provider networks for your doctors and hospitals plus consider plan coinsurance, copays and deductibles. So, unless you are insurance savvy and computer efficient comparing can be a daunting task. It is much easier and secure to let us do the free research for YOUR 3Rs *** Right Doctors, Right Coverage, Right Price!
The Annual Open Enrollment for 2017 Qualified ACA Plans ends January 31, however, you may qualify through a Triggering Event for a Special Enrollment and you will have 60 days to apply: 1) Gain Dependent 2) Gain Citizenship 3) Loss Group Coverage 4) Move New Area. These are the main Triggers but there are other opening Events so contact us for your eligibility questions.
CAUTION – If you buy a Non-Qualified Health Plan you are subject to a Penalty because the policy does not meet ACA requirements, does not cover pre-existing conditions, and has limited benefits.
Florida Health Insurance Coverage Plans
Many different options are available for families, groups, individuals and small businesses when it comes to health insurance in Florida. No matter your income level, there’s a plan for your needs. Some of the options available in Jacksonville include:
- The Discount Drug Program
- Florida Healthy Kids
- Florida Medicaid
- Marketplace Healthcare Plans
- Short Term Health Insurance
- Private Health Coverage Options
- And More!
Each of these types of health insurance provides benefits for specific groups. Getting the right health insurance quote is easy by speaking directly to someone who can help you find out your specific needs to find the right solution.
The Discount Drug Program
If you take prescription drugs regularly, the Discount Drug Card Programs will help cover the cost of your prescriptions. The program helps those over 60 without prescription coverage and those under 60 without prescription coverage and a family income less than 300% FPL. It can also help make prescriptions more affordable for those falling into the coverage gap of Medicare.
Florida Healthy Kids
The KidCare program, also known as Florida Healthy Kids Program, provides comprehensive health insurance for uninsured children in Florida. The program is funded by local, state, federal and family money, which is used to pay premiums to the commercial health insurers. It’s designed to help families unable to afford coverage for their children.
The Florida Healthy Kids program allows the family to pay only a portion of the premium for coverage. These plans may cover anything from preventative care to major surgery and the coverage begins after eligibility has been determined and the first month’s premium has been paid. Open enrollment for Florida Healthy Kids is held year-round.
The Florida Medicaid program is available for low income families and individuals. The program also helps to assist those with disabilities and the elderly with the cost of nursing facility care or other long-term care expenses. It helps to provide health coverage for those without enough household income to afford a plan in the health insurance marketplace. Often, it’s necessary to have little or no savings to qualify for this program.
Marketplace Healthcare Plans
During the open enrollment period in Florida, families and individuals may obtain a health insurance plan from the marketplace. These plans may come at a reduced monthly premium based on your household income. You don’t have to shop the marketplace to find your health insurance and qualify for a reduced premium. A qualified Florida agent will be able to help you find out if your income qualifies and offer alternative options. If you missed the open enrollment period, you may be able to apply for special enrollment, see below:
Special Enrollment Period
Even after the enrollment period has ended, it may be possible to obtain health insurance through the Marketplace. If you have had a life event qualifying you for the special enrollment period, it’s possible to get health insurance after February 15th. Qualifying life events include:
- Having a baby
- Getting married
- Losing another type of health coverage
- Adopting a child
- Putting a child up for adoption
- Moving to a new state or county of residence
- Becoming a citizen of the United Sates
- Being released from incarceration
- Gaining status as a member of an Indian Tribe
If you have already enrolled in Marketplace coverage, a change of household status or income may qualify you for a premium tax credit or a reduction in premium, as well.
Short Term Health Insurance in Florida
If you miss the open enrollment period and you don’t qualify for Medicaid or another health coverage program, short term health insurance may be the right option. You will be able to obtain health insurance until the next open enrollment period. Speak to your personal agent who is the best source for help to figure out what will work best for you.
No Charge and No Obligation
Why Choose Health Insurance
- To avoid high hospital bills.
- 3 day admission = approximate cost of a car.
- 7 day admission = approximate cost of a house.
- 10 day admission = approximate cost probable bankruptcy.
- Without health coverage serious conditions will be expensive.
- To be able to afford costly prescription drugs you may need.
- If you need Out-Patient surgery unless it is life threatening you might not be able get it.
- To reduce Primary and Specialist doctor’s office visit charges.
- Avoid confusion, pick the right plan; Talk to us at Thomas & Associates (904) 730-3900