What is Health Care Reform?
How has health care reform changed things?
Most people are required to have health insurance as part of the ACA’s individual mandate. You can purchase a health plan during the annual open enrollment period established by the law. You may be eligible to purchase health insurance outside of the open enrollment period with qualifying situations, such as having a baby, getting married or moving to a new county. Additionally, a subsidy is available to help pay the cost of a health plan for those that qualify.
The government’s Open Enrollment Period is October 1 through December 15. If you do not have health insurance or miss the open enrollment period, and you have a qualifying life event, then you are eligible for a special enrollment opportunity. You may also qualify if you currently have a health plan. Learn more about how to buy a health plan today. We help you compare, buy and enroll in a plan to fit your budget and needs. And, if you qualify, you can receive financial assistance to help lower the monthly cost of your health care premium.
What is health insurance?
Health insurance pays part of the medical cost when you need it. You pay every month for the peace of mind knowing if you need unexpected medical care then you aren’t responsible for paying the whole cost of the bill. But, you may have to pay a deductible. Health insurance pays part of the cost for care such as doctor or hospital visits, prescription drugs, tests, maternity care and other health services you may need.
Most health care plans also have wellness (or preventive) services to help keep you healthy at no additional cost. This includes visits such as annual checkups, mammograms and vaccines.
Are there different kinds of plans to choose from?
The categories are based on how you and the health plan can expect to share the costs for health care. Your choice determines your monthly premium and how much of the bill you pay for services such as hospital visits or prescriptions. It also affects your total out-of-pocket costs – the total amount you spend in a year if you need care.
We offer categories of plans that are approved by the Federal Government that include comprehensive coverage and health care support for every stage of your life. We are here to help you choose a plan that is right for your lifestyle and situation. We can walk you through buying a Florida Blue plan on the Marketplace and qualifying for financial assistance, or help you buy a plan directly through Florida Blue.
You receive the same essential health benefits with each category, but the out-of-pocket cost and monthly premium differs with each plan.
What doctors can I see?
Your plan offers a provider network of local doctors in the community. It’s important to enroll in a health plan that includes your doctor(s) or you will pay more to see doctors that are not in the network.