Understanding health insurance has never been easy for many people, and many only find it to be more complicated with recent changes in health care reform. For example, the Florida Health Insurance Exchange is a marketplace that is now available for Floridians who are seeking coverage, and you could be wondering if you should use this marketplace to purchase your family, individual or child only health insurance. Luckily, understanding a bit more about the Florida Health Insurance Exchange can help you make the right decisions when securing a policy through a PPO or HMO.
What is the Florida Health Insurance Exchange?
Over the past four years or so, you may have heard talk of the Florida Health Insurance Exchange, but you might still be confused about what it is and what it has to offer. Basically, the the Marketplace that allows individuals to seek out the right healthcare options for themselves and their families.
When the Affordable Care Act went into effect, each state was given the option to create its own Health Insurance Marketplace. The states that didn’t participate were simply added to the Federal Exchange, which is found at Healthcare.gov. Floridians can access the exchange through this federal website.
Basically, the Florida Health Insurance Exchange gives users the opportunity to fill out a questionnaire that asks about personal and family income information. This information is designed to help families find the best coverage option for their financial situations; for example, some are directed to the Florida Medicaid Program, and others are given the option to receive subsidized health insurance through programs like Blue Options, Blue Select and other policies through various PPO and HMO providers.
With these options, families are only required to pay a portion of their insurance premiums; the other portion is then covered, or subsidized, by the federal government. Although some individuals and families are able to secure coverage through the Florida Health Insurance Exchange, many find that they don’t qualify for subsidized insurance. Some also don’t want to provide their financial information. For individuals in these situations, child only health insurance and other Florida health plans are offered at their regular rates.
Should You Use the Florida Health Insurance Marketplace?
Anyone can buy insurance through the Florida Health Insurance Exchange, but you certainly don’t have to. Although you might want to use this option to purchase Florida health plans for your family, there are other options.
If you don’t think that the recent health care reform will help you secure more affordable coverage, you should know that the rates that are offered on the Health Insurance Marketplace are exactly the same as the rates that you can get through us. Even if you think that you might qualify for a subsidy, we can still help. If you give us a call, we can inform you of whether or not you qualify right over the phone, so you won’t have to worry about filling out the questionnaire on the Florida Health Insurance Exchange website only to be denied.
Basically, we can help you get the same rates without you having to go through all of the hassle on the marketplace.
Florida Blue and The Florida Health Insurance Exchange?
Although there are other providers in the state, Florida Blue is one of the biggest and most reputable insurers for Floridians. Through its Blue Options and Blue Select programs, Florida Blue health insurance actually covers more Floridians than any other company.
If you use the Florida Health Insurance Exchange to seek out health coverage for your family, you will receive quotes from Florida Blue. In some areas, these might be the only rates that you will receive. Luckily, Florida Blue health insurance was designed with Floridians in mind, and it offers a large network of physicians and hospitals.
Also, Florida Blue is currently the only company to have established what we call a “Happy Path,” which means that you don’t have to access the Health Insurance Marketplace as your only choice to gain coverage, even if you qualify for a subsidized plan. Instead, you can call us without worrying about the online hassles of dealing with the federal website.
As your trusted and licensed Florida Blue agency, we can access the government website for you and determine if you qualify for subsidized insurance. Then, we can sign you up for the right policy for you. You can also make your first payment to us, which is known as the “binder payment” and is required for your coverage to actually begin. Instead of having to chase someone down in a few days or weeks, you can handle everything over the phone today with one simple phone call.
There is no reason to deal with the hassle of the government Health Insurance Marketplace website. You can simply call us, and we’ll help you pick your plan and policy so that you can be insured right away without all of the trouble.
Compare Plans on The Florida Health Insurance Exchange
Would you like to bypass the Florida Health Insurance Marketplace and the added trouble of applying for a subsidy? If you’d simply like to invest in coverage, we can help. Here at Secure Health Options, we are a Florida Blue licensed agency, and we sell individual health, group health and Medicare policies for residents of Florida. We are a leading resource for Florida Blue insurance, and we make it easy for you to compare options, get rates and secure coverage. To get started, simply enter your ZIP code into the form at the top of the page, and you can request plan quotes online quickly and easily.