Florida Health Insurance Advisors
Beware The Scammers Are Out In Force
Many people are losing their company health insurance and are scrambling to find affordable health insurance. Please be aware that there are only two ways to get true health insurance outside of the annual open enrollment. One is to obtain coverage through Healthcare.gov. ( you have 30 days from the date you lose other coverage ), the other is to purchase a short term plan that will cover you until you go back to work or obtain group health insurance. If someone offers you "healthcare" or "health savings" etc., these are not true health insurance plans and could leave you [...]
Obamacare
The Trump administration's Justice dept. has filed a brief in Federal Court asking that the whole of Obamacare be struck down as unconstitutional. Although they are unlikely to be successful, if they were, it would be a major upending of healthcare in America. Gone would be protections for those with pre-existing conditions, plans would no longer offer things like maternity coverage, mental health, and wellness benefits. Also, Medicaid expansion would be stricken which now covers people in 33 states. And, without a plan to replace Obamacare, insurance coverage to over 200 million Americans would be disrupted.
SHORT TERM HEALTH INSURANCE
United healthcare has rolled out a new short term health insurance plan that can be issued up to three years. The plan will feature three one year period of coverage and pre-existing conditions would be covered after the first year. The plan will be available in Florida on April 26th and coverage can be issued after that.
Obamacare Open Enrollment
Obamacare open enrollment has begun and you can now sign up for a health insurance plan or change your current plan with no health questions asked. If you already have an Obamcare plan it's important to log in to Healthcare.com and update your information and compare plans to be sure you still have the right plan for your situation. But don't delay, the open enrollment only lasts for 45 days and after that you must have a qualifying event in order to change health plans.
Health Insurance Scams
Several new health insurance scams are popping up and it is important to be aware of them. The first is a robocall claiming that there is a new special enrollment going on and you can enroll in health insurance during this time. The second scam claims that a new association plan has been approved in Florida for employers and employees, neither of these claims are true. First, there is no new special enrollment, the annual open enrollment for health insurance begins on Nov. 1st and this is the only time that individuals can enroll in a permanent health insurance plan [...]
Cigna To Offer Health Plans In Florida
Cigna has announced that they will be offering health insurance in all Florida counties starting Jan. 1st 2019 Although their plans will be offered off of the exchange, it is a new option for those who do not qualify for a subsidy to help cover their monthly premiums. This is further proof that despite efforts to destroy it, the individual health market is alive and well.
Group Health Down To Two Lives
Did you know that a group health insurance plan can be issued on groups down to to lives. Also, they can be written on corporations sole proprietors, non-profits, and an LLC. and they can be issued at anytime of the year. Like Obamacare group plans are guaranteed issue with no preexisting conditions limitations and there are many more choices than Obamacare
Florida’s Attorney General Joins lawsuit
Pam Bondi, Florida's attorney general has announced that Florida will join 19 other state in a suit brought in Federal court seeking to end certain provisions of the Affordable Care Act. Specifically the plaintiffs argue that the prohibition against insurance companies insure those with preexisting conditions is unconstitutional. If they are successful, insurance companies would once again be able to deny people coverage based on there health conditions leaving around 8 million Floridians without health insurance. Governor Rick Scott who is running to replace Bill Nelson as one of Florida's senators supports Bondi's position saying " those with preexisting conditions [...]
Association Health Plans
The Trump administration has issued a final ruling which will allow small businesses to come together and purchase what are called association health plans. These plans would tend to be cheaper because they will not be need to include benefits now required under the affordable care act. Insurance companies could sell health insurance plans that do not cover things like, maternity, prescription drugs, or mental health. Also, companies would be permitted to charge more for certain industries like restaurants or construction. The other problem is that most major insurance companies probably would not get involved in these plans since they [...]