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!
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.
Medicare has neither reviewed nor endorsed this information.