Finding affordable health care can be difficult when you look at all the available options. It can be hard to figure out what the differences are between each plan, which makes it difficult to shop around for a plan.

Here are some things to look for when choosing a plan.

1. Do you want to keep your doctor? If yes, then you need to make sure that he is in the plan’s “network”. Each health care plan has their own network of doctors that you can choose from. Each plan should have a list of the doctors on their plan. Check to make sure your doctor is on that list. If you are willing to change doctors, then check to make sure there is a doctor in your area that you would like to go to. Check on their reviews, their office hours, and other things that are important for you. At times, there may not be a doctor within a reasonable distance from your home or work. In that case, check on a different plan. Same applies for your OB/GYN, make sure they are included in this plan.

2. Do you have or believe you will need a specialist? If yes, then make sure that your specialist is also in the plan’s network of doctors. Also make sure you understand what the policy is for using specialists. Some plans require a referral from your primary physician.

3. Hospitals and emergency care. Make sure there are hospitals in your area that are supported by this plan. Also look at the emergency and hospital coverage, including emergency room costs, hospital co-pays, and out of pocket expenses.

4. Physicals and health screenings. Find out what your plan covers. Make sure to understand what preventative care is covered, especially if you have children. Look to see what immunizations and well baby check-ups are covered.

5. Prescription Drug Coverage. If you are taking medication on a regular basis, then pay special attention to this item. Look at the details of drug coverage on your plan, what drugs do they cover and what is the copay. This can vary between plans, so make sure your plan meets your needs.

6. Other Services. Look at the other services that may or may not be included in your plan, ensure that they include the ones that you may need. These services may be mental health care, chiropractic care, home health care, hospice care, rehabilitation, alternative treatments, etc.

7. Cost. Last, but not least is cost. What is the premium (monthly cost), what are the deductibles, which is how much you have to pay out of pocket, before the insurance kicks in? How much will the insurance plan pay, even after the deductible is met. What is the copay when you visit your primary doctor, a specialist, the emergency room, or for a hospital stay? Is there a yearly maximum that you will have to pay?

Feeling Overwhelmed? There are many factors that go into choosing the right plan.

Florida Health Agency can help you navigate through all of these things.

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This guide helps you learn about the different parts of the Medicare program, including Medicare Part A and Part B (together, they are often called “Original Medicare”), Part C (often called “Medicare Advantage”) and Part D (the part of Medicare that covers your prescription medications).

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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.

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Michelle S.
Michelle S.
1709665568
Bill always gives our family the knowledge necessary to make an informed and amazing choice for our healthcare needs. He always helps us find the best deals and has our best interests in mind 100% of the time 🫶🏼
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.
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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.
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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
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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.
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Gio is amazing..She is extremely knowledgeable & truly listens to your needs to find the best fit for your family!
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Luma A.
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Excellent! Gil is an excellent professional and very sure of the information, which gives us confidence!
Jon C.
Jon C.
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Gio is great! Excellent service and she's super helpful
Liana T.
Liana T.
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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
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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.
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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.
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Gio é muito atenciosa e explica muito bem sobre seguro de saúde! indico com segurança!
Adriana M.
Adriana M.
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Excelente atendimento
Patricia L.
Patricia L.
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Pensa em uma pessoa que explica tudo!!! Fantástica a Gio!
Robin V.
Robin V.
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The most conscientious professionals, with customer service the priority. A pleasure to do business with.
Pablo Goldberg M.
Pablo Goldberg M.
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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.
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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.
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Atenção e cuidado e profissionalismo. Foi o que recebi! Muito obrigada!❤️
Fast C.
Fast C.
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Atendimento Maravilhoso.. Indico hoje e sempre❤️Adriane Melo
Ev
Ev
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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.
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my agent, William Kohn, was fantastic! he made the entire process super easy!
Ed G.
Ed G.
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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.
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Gio is the best!
emily K.
emily K.
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Bill was thorough, patient and knowledgeable. Highly recommend.
George M.
George M.
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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
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