Best Health Insurance Agencies in Davie

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.
  

• Can you purchase health insurance outside of the open enrollment period in Davie?

  You cannot sign up for an individual or family health insurance plan in Davie if you missed the Open Enrollment period of 60 days unless you qualify for a Special Enrollment Period. To be eligible for a Special Enrollment Period, you must have qualifying life events such as child adoption, marriage, loss of healthcare coverage, income below the poverty level, changes in citizenship, and relocation.

• Do you have other options if you were not able to buy insurance during the Open Enrollment in Davie?

  If you fail to buy an insurance plan during the Open Enrollment Period in Davie, you may purchase a short-term insurance plan that can provide you with at least three months of coverage. However, keep in mind that short-term insurance policies do not usually cover any pre-existing conditions.

• What are the essential benefits covered by health insurance plans in Davie?

  According to the Affordable Care Act, health insurance plans in Davie should be able to cover the ten essential health benefits, which include emergency care, ambulatory services, confinement, maternity and newborn care, pediatric, mental health, laboratory services, rehabilitation, preventive and wellness, and prescription drugs. Other healthcare benefits include birth control and breastfeeding services.

• Can you still file an appeal if your health insurance claim is denied in Davie?

  According to Florida's insurance laws, you may file an appeal if your health insurance claim is denied in Davie. You must review your determination letter and collect the supporting documents you need for your appeal. You should also contact your healthcare provider for guidance in drafting an appeal letter before submitting your request to your insurance carrier.

• Will your health insurance policy in Davie cover your sterilization procedure in Davie?

  Sterilization procedures for women are covered in Davie and across the state of Florida. According to the Affordable Care Act, sterilization procedures including tubal ligation, though elective in nature, should be covered by Florida health insurance policies. However, vasectomy procedures in men are not required to be covered under health insurance although there are local governments that provide subsidies for male sterilization.

• 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.