Florida Health Insurance Broker is a full service Health and Medicare Insurance agency in West Palm Beach committed to finding you the protection you need and hopefully, at an affordable rate. If you are in the market for Health Insurance in West Palm Beach, we are here to serve you. Health Insurance and Medicare Supplements are our passion. We work with many major insurance carriers including: Humana, Aetna, Cigna, United, Mutual of Omaha, National General, Pivot and many others. We have assisted thousands of individuals and families in West Palm Beach with their Health coverage, Medicare supplement, life insurance and Long Term Care Protection.

Tips for finding the cheapest West Palm Beach health insurance plan:

  1. Compare Rates – The more options you compare then the better chance you have of finding the plan that will be right for you.
  2. Use an Independent Agent – Working with an independent West Palm Beach health insurance agent will give you the ability to compare different health insurance quotes, instead of have an insurance company agent only “selling” theirs.
  3. Government Programs – There are Federal, State, and Local government assistance health programs available for residents of West Palm Beach. The Health Department offers affordable health programs for women, children, immunizations, disease control, HIV/AIDS services, STD control and prevention, and more.

Clicking HERE will allow you to see and enroll in affordable health insurance

For additional information on health insurance,

call Neil Primack at: (561) 935-3907 or send an email to: neil@floridahealthinsurancebroker.com

West Palm Beach, is a city located on the Atlantic coast in southeastern Florida and is the most populous city in and county seat of Palm Beach County, the third most populous county in Florida with a 2010 population of 1,320,134. The city is also the oldest incorporated municipality in South Florida. According to the U.S. Census Bureau, in 2010 the city had an estimated population of 99,919. The city is one of the principal cities in the South Florida metropolitan area, which has a population of 5,564,635.

SHORT TERM HEALTH INSURANCE: IS IT RIGHT FOR YOU?

Short Term health insurance or Temporary health insurance, is designed to bridge gaps in your health care coverage during times of transition. Coverage can become effective as early as the next day, be purchased for 1-12 months and can be paid for in a single payment or in monthly installments. A short term plan is a significantly less costly alternative to a qualified ACA (Affordable Care Act) compliant plan. Short term health insurance protection can behave as an affordable safety net when attempting to cover a specific time-frame or gap in your usual coverage. Benefits range as high as 2 million dollars per benefit period for each individual.

Who Should Consider Short Term Insurance Plans?

Short Term health insurance plans can make sense for people who are:

  • Rolling off their parent’s insurance
  • In-between jobs or waiting for benefits to begin at your new job
  • Without health insurance, have missed Open Enrollment and do not have a qualifying event or Special Enrollment
  • Waiting for your Affordable Care Act (ACA) coverage to begin A college student or just out of school
  • Waiting for benefits to begin at a new job
  • Waiting for Medicare
  • Needing a temporary alternative to COBRA insurance
  • Losing coverage following a divorce
  • Under 65 and in good health
  • Employed part-time
  • Temporarily without health insurance for most any reason.

The Benefits of Short-Term Health Insurance Offers you flexible, fast coverage that you need for those dynamic times of change in your life. With Short Term Medical plans you can:

  • Get covered fast, as soon as the day after application
  • Pick your deductible amount from several options between $1000 – $25,000
  • Drop coverage with no penalty and receive a refund on unused premium if a more permanent health insurance option comes along
  • Access an extensive network of health care professionals, with 1 million physicians and other health care professionals and approximately 6,000 hospitals and other facilities nationwide
  • Get generally lower premiums than with Affordable Care Act (ACA) health insurance plans

With Short Term health insurance you are not buying an ACA health plan. That means you need to keep a few things in mind as you plan your coverage needs:

  • ACA health plans are guaranteed issue, meaning you cannot be denied coverage based on preexisting conditions. Short Term Plans do not meet minimum essential coverage requirements as spelled out in the Affordable Care Act. Short Term insurance plans are not guaranteed issue, do not cover preexisting conditions, and you must answer a series of medical questions when you apply for coverage.
  • ACA health plans are required to cover 10 essential health benefits, including maternity and newborn care, mental health and substance abuse disorder services
  • Short Term insurance plans do not have coverage requirements, so plans vary in what they cover. Check your plan details carefully.

So, it’s true that you may save money by choosing Short Term health insurance. Just be sure you know what you are buying, and that it’s a good choice for you. For the right situation, Short Term insurance plans can definitely provide fast, flexible, temporary health insurance coverage that fits your needs.

How Do Short Term Health Insurance Plans Work?

Surgery, hospital care, emergency services, diagnostic tests, prescription drugs, follow-up office visits and even limited mental health care could be included under a short-term health policy. Keep in mind that if you file a significant claim under your short-term policy your insurer will likely not renew the policy again. They might offer you another policy, but they will treat any injuries or illnesses that occurred during your previous short-term policy as a pre-existing condition. Short-term health insurance plans do not cover pre-existing medical conditions. In general, short-term health insurance policies exclude coverage for conditions that have been diagnosed or treated within the previous 5 years.

Do Short Term Insurance Plans Meet Affordable Care Act (ACA) Requirements?

No. Short Term plans are not ACA, or Obamacare, health plans. While both ACA and Short Term health insurance plans are considered major medical, or comprehensive health plans and cover major health events in your life, there are important differences. ACA health plans are guaranteed issue, meaning you cannot be denied coverage based on preexisting conditions. Also, ACA health plans are required to cover 10 essential health benefits including:

  1. Doctor visits for illness and injury and other outpatient care (ambulatory services)
  2. Emergency services
  3. Hospitalization
  4. Maternity and newborn care
  5. Mental health and substance use disorder services
  6. Prescription drug coverage
  7. Rehabilitative and habilitative services and devices (relearning to walk after a stroke and improving ability to speak without an impediment)
  8. Laboratory tests and services
  9. Preventive and wellness care
  10. Pediatric services (including both oral care and vision care)

In contrast, Short Term health insurance plans are not required to cover all these benefits, so plans can vary in what they cover. Also, Short Term insurance plans typically do not cover preexisting medical conditions. You must apply and answer a series of medical questions to determine your eligibility for these plans. In general, Short Term health insurance plans exclude coverage for conditions that have been diagnosed or treated within the previous 5 years. If you have an existing medical condition, you may want to find out whether you can extend your current insurance. Employer-sponsored insurance may be extended under COBRA (or a similar state program).

Are There Ways I Can Lower My Costs for Short Term Health Insurance?

Yes. Your premium is the amount you pay for health insurance coverage for a specific period of time, usually paid monthly. If premium cost is one of your main concerns, you can make some choices that can help you find the best Short Term health insurance rates for your situation:

  • Choose a higher deductible. The deductible is what you have to pay of the expenses covered by your insurance plan before the insurance will pay anything. If you choose a higher deductible, meaning you pay more before the insurance starts paying, you can reduce your premium.
  • Choose a plan with fewer benefits. Not all Short Term health insurance plans are the same.

Just as with Affordable Care Act (ACA) health insurance, you will find different levels of coverage available with different benefits and different prices. For example, you can control if your plan includes copays, a fixed dollar amount you pay, for a doctor’s office visit or if you want to include a variation of prescription drug coverage.

  • Pay your total premium up front. If you can pay the total premium for the amount of time you want to be covered up front, you can save up to 24% when you pay in that one lump sum versus paying monthly.
  • Choose a Per-Cause Deductible option. With some Short Term Medical plans underwritten by Golden Rule Insurance Company, you can take more responsibility by paying a separate deductible for each illness or injury, as opposed to one deductible for your whole term. By doing so, you can reduce your premium by about 10%.

Can I Get Federal Tax Subsidies to Help Pay for Short Term Insurance?

No. Because Short Term insurance plans are not minimum essential coverage as defined by the ACA, you are not eligible for tax subsidies to help pay for them. However, generally, Short Term health insurance plans cost less than ACA health plans.

What If I Don’t Need Coverage For As Long As I Thought?

No problem. You can drop your coverage at any time without penalty and receive back premium paid after termination date.

Can I Keep My Doctor

Yes. UnitedHealthcare’s short term plan offers one of the largest networks in the U.S. With access to nearly 1,000,000 physicians and other health care professionals, and approximately 6,000 hospitals and other medical facilities, chances are your current doctor is already a part of the Unitedhealthcare nationwide network. National General’s short term plan utilizes the Aetna Choice PPO network, a very robust nationwide provider network as well. Health care professionals in these networks agree to provide you quality care at lower fees.

Are Prescriptions Covered?

Sometimes. Prescription coverage is available with some plans. Check specific plans for details.

Is Preventive Care Covered?

Sometimes. Preventive care coverage, if included, is limited. Check specific plans for details.

Do I Have to Choose a Specific Primary Care Provider (PCP)?

No. Some health plans make you select a primary care provider or primary care physician (PCP) to be the main health care professional who takes care of you. With Short Term Medical plans, you can go to any qualified health care provider you choose at any time.

Do I Need a Referral to See a Specialist?

No. A referral is a type of pre-approval some health plans require where your primary care provider (PCP) must refer you to another doctor or for a specific service for that visit or service to be covered by the plan. With Short Term Medical plans, you can go directly to any specialist of your choice without needing a referral.

Do Short Term Health Insurance Plans Have High Deductibles?

Not necessarily. Your deductible is what you have to pay of the expenses covered by your insurance plan before the insurance will pay anything. Short Term Medical plans allow you to choose your deductible level from options starting at $1,000

If I Apply for a Plan, Am I Obligated to Buy

No. After submitting your application, you may cancel it at any time during the underwriting process. There is a $20-$50 non-refundable application fee for Short Term health insurance plans in most states.

If I’m looking for the best Short Term health insurance price, do I have options to help me reduce my premium payments?

Yes. Choosing a plan with fewer benefits, or a higher deductible, or a single up-front payment option are all effective ways to potentially reduce your premiums.

Can I pair other plans with a Temporary health insurance plan?

Yes. Short Term is often combined with other supplemental health insurance plans to help round out coverage.

Dental, Vision, Accident and Critical Illness plans are commonly paired with Short Term medical insurance plans.

 

Sincerely,

Neil Primack

561-935-3907

neil@floridahealthinsurancebroker.com

 

 

 

 

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