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Health Insurance Health Reform

Patient Protection and Affordable Care Act (“ACA”)

The Patient Protection and Affordable Care Act, also known as the Affordable Care Act has been implemented nationally since 2014. This law requires that all citizens and legal residents of the United States have health insurance and that such coverage meet certain minimum benefits. Otherwise, a fine will be assessed. If you, your spouse or children do not have health insurance provided by an employer; if the coverage provided at work imposes a determined cost to the employee relative to his/her income; if said coverage fails to meet minimum essential benefits as outlined by the law; or if you don´t have Medicaid and/or any other government-sponsored insurance, you could qualify for this coverage and receive a subsidy to assist you in paying the premium.

According to the 2014 tables, a family of four with an annual income of up to $ 95,400 qualifies for federal tax credits that serve to subsidize the cost of insurance. Depending on your case, you may have to pay nothing or very, very little for quality health insurance coverage. Do not miss this opportunity! No one can be turned down for pre-existing conditions.

We are qualified and federally certified to assist you with this insurance. If you have questions about this coverage, it´s benefits and impact, please call us today. Do not be left out!

If you had a plan last year, we can assist in the re-registration process, reviewing the previous coverage, comparing alternatives available this year and measuring your current situation. Every year plans and rates are reviewed and updated. Please call us today at (305) 559-2484. You can also contact us by sending an email to This email address is being protected from spambots. You need JavaScript enabled to view it. and we will promptly reply.

 Health Insurance Costs Explained

YOUR TOTAL COSTS FOR HEALTH CARE: PREMIUM, DEDUCTIBLE, COPAYMENTS, COINSURANCE & MAXIMUM OUT-OF-POCKET COSTS


When choosing a plan, it’s a good idea to think about your total health care costs, not just the bill (the “premium”) you pay to your insurance company every month.
Other amounts, sometimes called “out-of-pocket” costs, have a big impact on your total spending on health care – sometimes more than the premium itself.
Beyond your monthly premium: Deductible and out-of-pocket costs

Deductible:

How much you have to spend for covered health services before your insurance company pays anything (except free preventive services).

Copayments and “Coinsurance”:

Payments you make each time you get a medical service after reaching your deductible.

These expenses can be reflected in fixed charges or as a percent of the total cost, up to the maximum out of pocket sum.

Out-of-Pocket Maximum (“OPM”):

The most you have to spend for covered services in a year. After you reach this amount, the insurance company pays 100% for covered services.

The non-italic text was partially obtained from HealthCare.gov. Retrieved November 11, 2017 from https://www.healthcare.gov/choose-a-plan/your-total-costs/

Ambetter Sunshine Health

The plans offered by Ambetter Sunshine Health, request a membership card, how to make a payment and how to find a provider can be downloaded from the following links:

 

Molina Healthcare

The plans offered by Molina Healthcare, request a membership card, how to make a payment and how to find a provider can be downloaded from the following links:

Telephone services for members: 888-560-5716

 

Florida Blue Cross and Blue Shield

 

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Health Reform Video

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Confused about how the new health care reform law really works?
Courtesy: Kaiser Family Foundation.

Health Insurance Costs?

Health Insurance Costs?

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