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!
Although the Annual Open Enrollment for 2018 Qualified ACA ended, 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.
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.
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.
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.