FAQ

Learn why you should use a Florida Health Agency agent when buying new health plans.

Answering your questions, even after you buy, is just one way licensed agents are so great.

“Navigators” working at government websites usually aren’t licensed health insurance agents? It’s true. And if they’re not licensed agents, they generally can’t answer detailed coverage questions or recommend specific plans based on your personal needs. Many other agents won’t guide you through the application process.

We understand the process and the ramifications of answering questions a certain way. With us, you should receive the subsidy you deserve based upon your situation, not just by the simple answers to questions on the application.

So, what are some of the common questions Florida Health Agency agents are answering these days? Take a look:

Can I still get health insurance outside of open enrollment?

In many cases, the answer is yes. If you have a Special Election Period then the answer will always be yes, if you act quickly. If the answer is NO and you do not receive a subsidy then many individuals and families can qualify for a non-marketplace plan. We also have association plans for many individuals who would like coverage and are small businesses or self-employed. Give us a call to learn more!

Can I switch to a different plan in between the enrollment periods?

In many cases, the answer is yes. If you have had a change in income you may be eligible to make a change because of your income change. Also, if you have a Special Election Period then the answer will often be yes if you act quickly. If the answer is NO and you do not receive a subsidy then many individuals and families can qualify for a non-marketplace plan. We also have association plans for many individuals who would like coverage and are small businesses or self-employed. Give us a call to learn more!

I recently enrolled in coverage. When will I get my health insurance card?

The process varies somewhat from carrier to carrier. In almost every case you must make your initial payment and clear certain conditions (like proof of prior coverage) before the actual enrollment process begins. Once you have paid, you should see your card within ten to twelve business days. In an emergency, you can get your card numbers and you should be in the system a day after your policy begins and you’ve completed the above steps. We are always there to assist in these cases.

What is a 1095 form and how do I get mine?

These can only be provided by the marketplace for plans procured there, from the state (if you enrolled in a state with a state health insurance exchange), or from your insurance provider if you have insurance off of the marketplace or an exchange. For those getting insurance in the federal marketplace, you must call 1-800-318-2596.

Health Insurance Agents are NOT allowed to receive these cards, they go to you directly and are considered HIPAA data.

When is my insurance payment considered late?

The answer is the day after it is due. If you pay by credit card, make sure you see the payment every month. If you pay by Automatic Bill Payment from a bank account, make sure you see the withdrawal. The insurance company holds you responsible, even if they make a mistake. Grace periods on initial payments are only ten days. If you miss the grace period you will typically lose your insurance. Other grace periods can be 30 days or more, but again this varies from company to company. Don’t put yourself at risk, please.

I’m moving to a new city/state, what do I do?

If you are moving, the best thing to do is call us within 60 days of the move. After that, it is often too late. Even a move from one side of town to another must be reported to the marketplace (or insurance company). Our advice, NEVER do this on your own. Correcting mistakes made by the marketplace personnel, or by you, may be difficult to change. People have lost coverage by not letting us make the change.

Are Medicare Premiums Tax Deductible?

Yes, because they are considered a part of your medical expenses! You may deduct them in case of your medical expenses for the year exceeding 10% of your Adjusted Gross Income. People who are self-employed can often ignore the 10% AGI limit and deduct 100% of the premiums. We advise you consult a tax professional for guidance before taking any steps!

We would like to help you.

Speak to us about your Health Insurance requirements.

As Featured In

This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

Florida Health Agency is a licensed health insurance agency certified to sell Medicare products. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Medicare has neither reviewed nor endorsed this information.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

Get In Touch

866-713-3267
English: 954-332-9768
Portuguese: 954-859-2602
Fax: 954-301-2282

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2211 East Sample Road Suite 103
Lighthouse Point, FL  33064

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mckenna S.
mckenna S.
1707773757
Gio was absolutely amazing! She took the extra time to help me understand the different plans and make me feel comfortable. She gave me a few options and found what was right for me! You can tell she really cares about helping people feel understood and happy with their new health insurance plan. So happy I found her!
John H.
John H.
1706726903
Gio is a very personable and knowledgeable insurance agent. She listened to my needs and helped me to strategize the best insurance option for my needs. Due her dedication and diligence, I am have been able to access a more comprehensive level of health care at a much more affordable price point.John Hall, Ph.D.
Veronica O.
Veronica O.
1703882825
Had a fantastic experience with William Kohn (Bill) from a Florida health agency. He showed resourcefulness, patience, and guidance through every step were invaluable. A big thank you to him🙏🏻
Rufino
Rufino
1703021395
Gio took the time to explain the details of the health insurance plans. and guided me to obtain the one that fit my requirements. Thank you very much for your help
Victoria Pierno R.
Victoria Pierno R.
1702588482
Gio is amazing..She is extremely knowledgeable & truly listens to your needs to find the best fit for your family!
Luma A.
Luma A.
1698329192
Excellent! Gil is an excellent professional and very sure of the information, which gives us confidence!
Jon C.
Jon C.
1697049336
Gio is great! Excellent service and she's super helpful
Liana T.
Liana T.
1693514046
Gio is a wonderful person!Very pacient, proficient, and helpful. She went above and beyond!I am very grateful for her professionalism and CARE !Thank you very much 😘
Brian H
Brian H
1692817463
Gio is incredible, the BEST. She takes the time to make sure I understand everything and lets me decide what is best but with her guidance. Without any doubt, she is the BEST insurance agent I have ever worked with.
Miria C.
Miria C.
1691502712
I loved the professionalism of Gil.Knowledge in what he does, affection with customers, punctuality and commitment. Great options Gil offers in its products and with flexibility. I felt quite safe and confident in what she offered us. Gratitude coming from me and my husband. Miria Carvalho and Walter Renesto
souade S.
souade S.
1690555658
Gio é muito atenciosa e explica muito bem sobre seguro de saúde! indico com segurança!
Adriana M.
Adriana M.
1688075934
Excelente atendimento
Patricia L.
Patricia L.
1687826629
Pensa em uma pessoa que explica tudo!!! Fantástica a Gio!
Robin V.
Robin V.
1686247694
The most conscientious professionals, with customer service the priority. A pleasure to do business with.
Pablo Goldberg M.
Pablo Goldberg M.
1684792922
I wish I can leave 1 Billion Stars! Bill Kohn, a true professional, extremely knowledgeable, caring, knows the customer very very well and understands without any judgement if one was let go recently from a job. We needed marketplace ACA insurance and quite confusing for a consumer. In fact Bill drills down simplistically, he goes the extra mile and then some. I myself a former health/life insurance agent and I must say Bill and his team truly angels, “miracle workers”, and top notch. Highly recommend Florida Health Agency! Heartfelt Thank You to Bill and his Team and the Florida Health Agency! Phenomenal experience.
jacquelinne M.
jacquelinne M.
1681772950
Fiz o seguro da minha família junto com a Gio Sartor e ela foi muito prestativa! Tirou todas as dúvidas que eu tinha e sempre me deixou confortável durante todo o processo e ainda tirou tempo fora do horário comercial pra esclarecer minhas dúvida, recomendo!
adriane M.
adriane M.
1680720997
Atenção e cuidado e profissionalismo. Foi o que recebi! Muito obrigada!❤️
Fast C.
Fast C.
1680720749
Atendimento Maravilhoso.. Indico hoje e sempre❤️Adriane Melo
Ev
Ev
1680135296
Christina is wonderful at her job! She exceeded my expectations from beginning to end. Very grateful she was the one who helped close on my new insurance policy. Thank you Christina!
Ira B.
Ira B.
1674921114
my agent, William Kohn, was fantastic! he made the entire process super easy!
Ed G.
Ed G.
1673123981
If you are looking for an intelligent and knowledgeable insurance agent who will answer every question, and provide AMAZING service, look no further. Gio is by far the best agent we have ever found. Interview Gio before working with anyone else. She goes above and beyond, and truly cares. We would rate her a 10, not 5!!! Adrienne and Ed Greenfield, Naples, Fl
Stephanie R.
Stephanie R.
1670414396
Gio is the best!
emily K.
emily K.
1669917870
Bill was thorough, patient and knowledgeable. Highly recommend.
George M.
George M.
1669311388
To whom it may concern -Bill Kohn is the upmost professional and has been instrumental in landing the perfect health insurance for my well being. He’s been methodical and articulate in explaining all options leaving no stone unturned. It’s been such a great pleasure to work with Bill and his team and knowing I can always count on him to navigate any questions I may have with current and future plan coverage. Bill is truly the best in the health insurance business!! Sincerely George Malave
valmir N.
valmir N.
1669135117
Como sempre maravilhoso. Priscila ela e 1000.
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