Health insurance. It’s a mostly touchy topic in the state of Florida nowadays, especially as many residents continue to have difficulty enrolling in one of many available health insurance plans, as provided by the new healthcare marketplace produced by the Affordable Healthcare Act.
The trouble with enrolling
As soon as the new healthcare measures were enacted early this winter, people were given the opportunity to enroll in new health insurance plans that best fit their income threshold. Although the new marketplace was designed to accommodate this, many people have found themselves instead facing higher health insurance premiums, despite the new laws in place.
Thanks to that, many Floridians probably feel like they’re being backed into the wall. The new healthcare provisions do make a portion of Floridians get inexpensive healthcare, though the majority of Floridians might find themselves with health insurance premiums that cost more than what they used to pay, especially if they fall in a higher income bracket.
So, what should you do? Do you stick with your current healthcare plan or do you find a more inexpensive plan that’s more suited for you and your family’s health needs?
To start, some people in your situation may not need to change their health insurance plan. For others, they may need to change their current health insurance. Many others also need to enroll in a health insurance plan for the first time, and might have difficulties finding the right one.
With the complications surrounding health insurance nowadays, it doesn’t mean that you or anyone else should give up searching for options. It might be difficult to enroll in a health insurance policy online nowadays, but there are other alternative options that can help you out.
The necessity of health insurance today
You need health insurance.
Without health insurance, you and the members of your immediate family won’t have coverage to pay for their medical visits, medical expenses and anything that’s associated with evaluating and improving their health. Health insurance simply protects you and your family from high healthcare costs, especially if you and/or your family members need hospitalization for a variety of medical occurrences.
Provisions like the Affordable Care Act were created to produce opportunities for people who weren’t insured; as a result of these provisions, they can now enroll in a health insurance plan at a more affordable rate.
The thing is that many of these people haven’t received health insurance or were under an insurance plan provided by their parent’s job. And, the people with health insurance in the past, but had to not enrolling to the plan due to costs, are perhaps eligible for this type of health insurance plan, as well.
It doesn’t take away from the fact that many people who are just enrolling don’t know how difficult it can be to find a plan that’s suited for their needs—let alone, is actually inexpensive in accordance to their lifestyle. Coupled with the questionable costs associated with many health insurance options on the marketplace, and the average Floridian has every right to be confused.
Though, any resident of Florida can lessen their confusion by doing a bit of research into the type of health insurance benefits that they need. So, let’s take a look.
Finding health insurance benefits
If you’re shopping for health insurance in Florida, you’re in luck. There are many options that are provided by some of the best Florida health insurance providers. You might even get lucky enough to find health insurance discounts, provided you know where to look.
Ultimately, your health insurance policy should include benefits that pertain to the needs of yourself and your family. To give you an idea, your health insurance policy should include coverage for:
- Emergency services.
- Ambulatory patient services.
- Prescription drugs.
- Rehabilitative care and services.
- Mental health/substance abuse care and services.
- Maternity and newborn care.
- Preventative and wellness care and services, including chronic disease care.
- Laboratory services.
- Pediatric services.
People who are shopping for health insurance should more or less look out for those particular benefits, as they provide the most basic health coverage that most people need out of a standard health insurance policy.
As many health insurance organizations work to get more people enrolled in a good health insurance plan, those same health insurance customers might not understand just what they’re getting into. To help people understand what they’re getting into, a lot of health insurance providers are getting into the business of educating potential customers long before they enroll them in one of their available health insurance plan.
Many insurance agencies are making movements to help Florida residents better understand their insurance plans—right before they enroll. One of these Florida insurance companies, known as the Pro Player Insurance Group is now offering health insurance to individuals in need. The Pro Player Insurance Group, in fact, started offering individualized health insurance plans upon the enactment of the Affordable Care Act, just in time for people to learn more about their health insurance plans.
As early as January of this year, the Pro Player Insurance Group began ‘extensive training’ to eventually help accommodate the needs of individuals and families of Florida. Serving the Fort Lauderdale, Fort Myers, Miami and surrounding cities, the Pro Player Insurance Group is now available to assist customers who wish to enroll in a health insurance plan this fall and winter season.
According to the managing partner of the Pro Player Insurance Group, their job ‘is clearing up any confusion about health insurance to help customers understand the benefits of the health insurance policy that they select.’ In addition, they can also help customers determine whether they qualify for certain government subsidies to make their healthcare costs more cost effective.
Insurance companies like the Pro Player Insurance Group represent one of many insurance companies in Florida that are perfectly willing to help people like you find health insurance in today’s climate.
So, you don’t have to allow difficulties stemming from Affordable Care Act and its related healthcare enrollment issues stop you from getting a good health insurance plan. As long as you know where to look, any of the best Florida health insurance companies in your area can help you find a plan that’s both affordable and suited to you and your families’ healthcare needs