Best Health Insurance Agencies in Clearwater

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• What should a Clearwater resident do if their individual health policy gets cancelled?

  In Clearwater, if one's health policy is terminated due to unpaid premiums but they believe payments were on time, they can file an insurance grievance. If non-payment caused the lapse, they must await the next open enrollment for a new policy. However, the ACA might allow a Special Enrollment Period during the year. It's advised to contact the federal Marketplace at 1-800-318-2596 for possible qualification.

• Who qualifies for Florida Medicaid in Clearwater?

  In Clearwater, those seeking Florida Medicaid must reside in Florida and be a U.S. national, citizen, or possess valid legal status. They should need medical assistance due to low income. Eligibility also extends to pregnant individuals, guardians of a child under 19, the visually impaired, those with disabilities or households with disabled members, and seniors 65 or above.

• How can Clearwater families access affordable health coverage for their children through Florida KidCare?

  Children in Clearwater, from birth to 18, can secure health benefits via Florida KidCare. With continuous enrollment and no application fees, kids are matched to suitable programs like Medicaid, MediKids, Florida Healthy Kids, or CMS Health Plan based on age, family size, and income. While most families receive complimentary services, some might pay $15-$20 monthly for their kids. A premium full-pay plan is available for families outside the subsidy bracket.

• How does the Premium Tax Credit benefit Clearwater residents?

  For Clearwater residents purchasing insurance from the Health Insurance Marketplace or state exchange, the Premium Tax Credit aids in affording plans. If their income ranges from 100% to 400% of the federal poverty limit, then they're eligible. Monthly advance payments can subsidize premiums. For instance, a $650 plan with a $600 credit results in a $50 monthly expense. Residents can also claim the credit during tax filing, given certain conditions.

• If a Clearwater resident is balance billed after an insurer covers part of an out-of-network claim, are they obligated to pay the remainder?

  Clearwater citizens may or may not owe the remaining amount, depending on several specifics. Florida's balance billing protections cater only to policies issued within the state. Those with policies from outside Florida should reach out to that respective state's insurance body. If covered by a self-insured employer, city, county, or state plan, the employer should be consulted.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.