Best Health Insurance Agencies in Plantation

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.
  

• Are all healthcare providers at an in-network facility in Plantation always in-network?

  Not really. There are various types of healthcare providers at an in-network facility, and this does not necessarily imply that they are in-network. A radiologist, anesthesiologist, or pathologist are examples of providers who work in a Plantation healthcare facility. They may or may not be part of an insurance company's network. If a patient receives services from an out-of-network provider, they may be responsible for the costs if their plan does not include out-of-network benefits.

• If you choose to forego an employer-based health plan in Plantation, can you still get tax premium credits?

  No, you can no longer qualify for tax premium credits if you choose not to get the employer-based health plan. However, there are exemptions to this rule. You may still be eligible if your employer's plan in Plantation is not affordable for you or if it does not meet the minimum standard coverage.

• Is it possible to buy short-term insurance in Plantation?

  Yes, you can purchase short-term insurance for up to 364 days in Plantation and throughout the state. Plan participants may renew their coverage for a total of 36 months. Because Florida lacks its own statutes governing short-term insurance, federal law applies. When they deem it appropriate, insurers may limit the duration of these plans and prohibit renewal.

• What happens if you are unable to pay your monthly premiums in Plantation within the grace period?

  Your Plantation health insurance policy could be canceled, and you would lose coverage, if you were unable to make full payments during the grace period. Note that the grace period for policies purchased on the federal health insurance exchange is typically 90 days. You must wait until the next enrollment period to obtain a policy with a January 1 start date. If you are eligible for exemptions under qualifying events, you may be able to enroll outside of the enrollment period.

• How can you get a cost-sharing reduction in a health plan in Plantation?

  To be eligible for a cost-sharing reduction, in addition to meeting income requirements, you must select a silver plan from the federal exchange. Families in Plantation who earn between 100 percent and 250 percent of the federal poverty level are eligible for the cost-sharing reduction program. Families can incur fewer out-of-pocket costs when obtaining a medical benefit with the aid of this financial assistance.

• 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.