HEALTH

HEALTH INSURANCE OPTIONS

It's important to know your health coverage options. Let Tropical Health Insurance provide you with some clarity on your options, and help you choose the insurance coverage that best meets the needs and budget of you and your family.

ACA Marketplace Insurance

Public Health Insurance | New Port Richey, FL | Tropical Health Insurance
As you begin your search for health insurance coverage, it is important to understand the options available to you. One option to consider is Marketplace insurance, also known as ACA plans or "Obamacare" plans. These plans come with an HMO network or EPO networks, which determines a select network of healthcare professionals for you to choose from. It is also important to note that referrals from your selected doctor is required before visiting a specialist. It is important to make an informed decision based on your specific needs in order to ensure that you have the coverage you need. With the overabundance of options available, it can be a confusing and complicated process, but with sound planning and careful research, I can find the right plan for you.
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OPEN ENROLLMENT

Open Enrollment for ACA health coverage begins on November 1st of each year, and runs until January 15th. This time period is an excellent time to review the health insurance plan that you currently have, and determine if it is still meeting you and your family's needs.


One option you have when shopping for a new insurance plan, is to complete a new application for insurance. Before doing so, I highly suggest reviewing your current plan to see if there are any changes to your current coverage or pricing. That way you can make an informed decision when it comes to switching.


During the open enrollment period, you are able to get accurate and up to date pricing info of the current plans. One downfall of open enrollment is that there is no way for you to ask questions or run through medical scenarios on your own. In order to get the best knowledge and recommendations for which ACA plan is right for you, contact Tropical Health Insurance to work with a dedicated, experienced health insurance agent to discuss what coverage options best fit your needs.

PLANNING

Open Enrollment for health insurance is the only time you can enroll in coverage unless you have has a qualifying event (discussed below). Those who enroll in coverage between the dates of December 16 and January 15 will be covered on February 1st.


Something to note is the changing of policies. Signing up at the end of open enrollment season has the potential to leave you without health insurance until your new policy takes effect. This will be determined by your current policy restrictions and end date.


The Marketplace deadline to enroll in coverage cuts off on January 15th. Once open enrollment for insurance has ended, you can not apply for coverage until the NEXT open enrollment, unless you qualify for a Special Enrollment Period.

SPECIAL ENROLLMENT PERIOD (QUALIFYING EVENT)

Changes In Household

It is possible to qualify for a Special Enrollment Period if any of the below scenarios apply to you or someone in your household within the past 60 days:

  • NEW Marriage. Choose a plan by the last day of the month of the marriage and you can start coverage on the first day of the subsequent month.
  • NEW Dependent. If you had a baby, adopted a child, or placed a child into foster care. Your insurance can start the same day of the event.
  • Divorce. If you got divorced or legally separated and that separation caused you to lose insurance coverage.
  • Death. If someone on your ACA plan passes away, you will be eligible for a Special Enrollment Period.

Changes In Residence

  • Moves out of your current Zip Code or County.
  • Moves to the U.S. from a foreign country or United States territory
  • Students who move to or from the place you attend school
  • Seasonal workers, moving to or from the place you both live and work
  • Moves to or from a shelter or other types of transitional housing

Loss of Insurance Coverage

You may qualify for a Special Enrollment Period if you or anyone in your household lost health insurance in the past 60 days (you can qualify with more than 60 days past, but it must be a loss of coverage after January 1) OR you anticipate that you will lose coverage in the next 60 days.

SPECIAL ENROLLMENT PERIOD (QUALIFYING EVENT)

Changes In Household

It is possible to qualify for a Special Enrollment Period if any of the below scenarios apply to you or someone in your household within the past 60 days:

  • NEW Marriage. Choose a plan by the last day of the month of the marriage and you can start coverage on the first day of the subsequent month.
  • NEW Dependent. If you had a baby, adopted a child, or placed a child into foster care. Your insurance can start the same day of the event.
  • Divorce. If you got divorced or legally separated and that separation caused you to lose insurance coverage.
  • Death. If someone on your ACA plan passes away, you will be eligible for a Special Enrollment Period.

Changes In Residence

  • Moves out of your current Zip Code or County.
  • Moves to the U.S. from a foreign country or United States territory
  • Students who move to or from the place you attend school
  • Seasonal workers, moving to or from the place you both live and work
  • Moves to or from a shelter or other types of transitional housing

Loss of Insurance Coverage

You may qualify for a Special Enrollment Period if you or anyone in your household lost health insurance in the past 60 days (you can qualify with more than 60 days past, but it must be a loss of coverage after January 1) OR you anticipate that you will lose coverage in the next 60 days.

Private Market Insurance

Private health insurance coverage is an excellent option if you're searching for affordable healthcare that's tailored to your needs. Unlike traditional insurance plans, these policies are designed to be more personalized and cater to your specific health requirements. Private market health insurance plans make it easy to receive better health benefits, with low deductibles, making medical expenses less of a financial burden. They offer a PPO network which means you'll have coverage regardless of your location and no referrals are needed. The best part about private health coverage is that you get to choose from an extensive network of providers who specialize in different areas, ensuring that you have the best care possible. Additionally, if you're looking for other types of coverage such as dental, vision, or life insurance, you can add them to your personal plan.
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Insurance | New Port Richey, FL | Tropical Health Insurance
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