Do you need Health Care Insurance?
GreatFlorida Insurance is committed to helping Floridians make informed decisions about their health care. Health insurance is designed to protect individuals and families from the high costs of health care.
Whether you are facing a pre-existing health condition, an emergency situation or just want preventative and wellness care, health insurance will pay part of your costs.
GreatFlorida Insurance offers coverage through Blue Cross Blue Shield of Florida, also known as Florida Blue.
We can help clear up any confusion about recent health reform, the Affordable Care Act, (ACA) and answer any of your questions concerning health care.
How does health insurance work?
Your health insurance plan is a contract between you and your insurance company.
You pay a monthly bill called a premium for the health plan and the insurance company agrees to pay part of the costs for covered medical services.
Blue Cross Blue Shield has four levels of coverage, bronze, silver, gold and platinum.
The plans have varying costs and coverage to meet your needs and budget. Another option includes a Catastrophic Plan for single people under 30 who qualify through financial hardships.
GreatFlorida Insurance can help you understand your choice of plans and options for health care through Florida Blue.
We will help you apply for and enroll in a plan that works best for you.
Affordable Care Act
In March 2010, President Obama signed into law, comprehensive health reform, Affordable Care Act, (ACA). The law makes preventative care more accessible and affordable for many Americans.
The health care law is designed to provide better benefits and expanding coverage while creating a stronger Medicare program.
What if I do not get health insurance in 2014?
If you can afford health insurance but choose not to buy it, you will be penalized and must pay a fee. The fee in 2014 is 1 percent of your yearly income or $95 per person for the year, whichever is higher.
The fee increases every year. In 2016 it is 2.5 percent of income or $695 per person, whichever is higher. In 2014 the payment for uninsured children is $47.50 per child.
New Options Include:
Floridians can find out if they are eligible for lower costs for private insurance or health programs like Medicaid and the Children’s Health Insurance Program, (CHIP) and enroll in health coverage.
Parents can keep their children on their health insurance policy until they turn 26 years old.
Insurers can no longer deny coverage to children because of pre-existing conditions such as asthma or diabetes.
In 2014, health insurers will no longer be able to charge more or deny coverage to anyone with a pre-existing condition.
Health insurance companies now have to spend at least 80 cents of your premium dollar on health care or improvements to care or provide you with a refund.
Insurance companies are required to publicly justify their actions if they want to raise rates by 10 percent or more.
Insurance companies are banned from imposing lifetime dollar limits on health benefits. The law also restricts the use of annual limits and bans them completely in 2014.
Preventative services such as colonoscopy screening for colon cancer, Pap smears and mammograms for women, well-child visits and flu shots for all children and adults, will be covered with no deductible or co-pay required.
Increases funding to community health centers
Strengthens Medicare Program
Increasing coverage for brand name and generic drugs
No deductibles or co-pays for preventative services seniors and people with disabilities
Extends the life of the Medicare Trust Fund by ten years
Simply call 727-441-9080 or complete our online quote request form. A GreatFlorida Health Care Insurance Agent in Clearwater will help you find the best deal for you.