Question 1

I Need Help Paying for Health Insurance

Accepted Answer

Premium subsidies are available for incomes between 100% and 400% of the federal poverty level; you can check your eligibility on the Health Insurance Marketplace.  During the Free Consultation,  we can give you a quick estimate of what your monthly premiums will be.

Question 2

What is the difference between the Levels  of coverage?

Accepted Answer

You should choose the Bronze or Silver plans if you need to save money, or the Gold or Platinum plans if you have a larger budget and expect to need frequent healthcare services.

Question 3

Can I Work with My Preferred Doctor?

Accepted Answer

Yes. During the Free Consultation, provide us with the name of the doctor you want to see. Then we will do our best to ensure that your preferred doctors and hospitals are in-network to avoid high out-of-pocket costs.

Question 4

I need certain Prescription Drugs to  be covered

Accepted Answer

Choose a plan that effectively covers your medication requirements. If you are unsure which plan to choose, you can schedule a free consultation call with one of our experts below.

Question 5

How do I Sign Up?

Accepted Answer

For more detailed information and personalized assistance, schedule an appointment with me today. I can guide you through the process, help you understand your options, and ensure you find a plan that meets your needs and budget.

Schedule an appointment now to get started on securing your health insurance coverage.

Question 6

I like the quote what should i do next?

Accepted Answer

If you liked the quote and we answered all of your questions;
Now you are ready to apply. 
Click here to submit the information we need.

Question 7

I didn't receive my 1095A from the marketplace?

Accepted Answer

If you are one of our clients, we can retrieve it for you.

If not then;

1. Contact Florida Marketplace
800-318-2596

2. Ask for the info in Section 3 on form 1095-A

3. Write down the amount for each month they give.

If you are one of our clients, we can retrieve it for you.

Question 8

What is the Affordable Care Act?

Accepted Answer

The Affordable Care Act (ACA), also known as Obamacare, is a comprehensive health care reform law enacted in March 2010. It aims to make affordable health insurance available to more people, expand the Medicaid program, and support innovative medical care delivery methods to lower health care costs. Under the ACA, millions of previously uninsured individuals now have access to quality health care.

Question 9

Who Qualifies?

Accepted Answer

To be eligible to enroll in health coverage through the Health Insurance Marketplace, you must:

Live in the United States
Be a U.S. citizen or national (or be lawfully present)
Not be incarcerated

There is no income limit to use the Health Insurance Marketplace. Special patient protections under the ACA ensure that insurers cannot refuse coverage based on gender or a pre-existing condition, there are no lifetime or annual limits on essential health benefits, and young adults can stay on their family's insurance plan until age 26.

Question 10

Describe the levels of plans are offered?

Accepted Answer

The Health Insurance Marketplace offers a range of plans categorized into four tiers:

Bronze--- you pay lower premiums but higher costs when you need care
Silver-- affordable premiums and affordable out-of-pocket 
Gold-- good if you expect to need frequent care
Platinum-- highest premiums but lowest out-of-pocket costs

Each tier represents a different level of cost-sharing.

Bronze Plans
Lowest premiums
Highest out-of-pocket costs
Suitable if you want to pay lower premiums but higher costs when you need care

Silver Plans
Moderate premiums
Moderate out-of-pocket costs
Eligible for extra savings if you qualify for cost-sharing reductions

Gold Plans
High premiums
Low out-of-pocket costs
Ideal if you expect to need frequent care

Platinum Plans
Highest premiums
Lowest out-of-pocket costs
Best if you need a lot of care and can afford higher monthly premiums

Question 11

What types pf plans are there?

Accepted Answer

Preferred Provider Organization (PPO) Plans
PPO plans offer flexibility in choosing healthcare providers. You can see any in-network provider without a referral, but out-of-network care will cost more.

Health Maintenance Organization (HMO) Plans
HMO plans require you to use in-network providers and get referrals from a primary care physician. These plans typically have lower premiums and out-of-pocket costs.

Point-of-Service (POS) Plans
POS plans combine features of HMO and PPO plans. You need a referral from a primary care physician to see specialists, but you can receive care out-of-network at higher costs.

Exclusive Provider Organization (EPO) Plans
EPO plans only cover in-network care except in emergencies. No referrals are needed to see specialists, making them more flexible than HMOs but without out-of-network benefits.

Progressive
Assurance

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Frequently asked questions