The Affordable Care Act passed in 2010 and revolutionized the health insurance market. Starting in 2014 plans were required to be guaranteed issue and offer a comprehensive package of essential health benefits. Today, there are hundreds of health policies offered in the greater Jacksonville Florida area. Each with different premiums, provider networks and benefits. When trying to decipher the “best option” via the internet remember price is only one of the three key components. Our agents will verify the provider networks for your doctors and hospitals of choice. Additionally, we help you get matched to your risk tolerance in relation to plan benefits copays, coinsurance, deductibles and medication formularies. Having the right coverage when your family needs it the most is of utmost concern. It is much easier and secure to let us do the free research for YOUR 3Rs *** Right Doctors, Right Coverage, Right Price!
If you did not enroll during the annual Open Enrollment Period, you may still qualify through a triggering event (like Loss of Creditable Coverage) for a temporary Special Enrollment Period, which gives you 60 days to apply. These life events may be the following: 1) Gain a Dependent 2) Gain Citizenship Status 3) Loss of Group Coverage 4) Marriage or Divorce 5) loss of Medicaid or Medicare. These are the most common Triggers but there are other opening Events so contact us for your eligibility questions.
CAUTION – Temporary and Limited Benefit Plans are also offered in the market but do not qualify as Essential Creditable Coverage deemed by the Affordable Care Act and typically do not cover pre-existing conditions, have underwriting requirements, and do not offer comprehensive benefits. We can help you determine if these plans meet your needs.
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.
For more information on On-Exchange Health Insurance Plans, click here.
For more information on Off-Exchange Health Insurance Plans, click here.