Health Insurance in Jacksonville, FL
Under the Affordable Care Act pre-existing condition limitations were removed and 10 additional coverages added to the individual plans offered. Whether you are self-employed, unemployed, or your employer does not provide insurance, we can help you put together a plan to fit your needs and budget.
We offer a variety of the major popular types of healthcare insurance plans available.
- HMOs, or Health Maintenance Organization plans, are one of the popular health insurance options available. HMOs allow services offered by an approved network or healthcare provides who agree to offer services under your insurance program. HMOs usually offer coverage for both preventive care as well as illness or injury. You may have a co-pay and an annual deductible that must be met before the insurance takes over. Specialist visits typically require a referral from an approve primary care physician (PCP). HMOs are best used by individuals and families planning to see their PCP regularly.
- PPOs, or Preferred Provider Organization plans, allow you and your family to see any health care provider you choose as long as they are in the plan’s network, no referral necessary. You may have a deductible and a co-payment with these plans.
- EPOs, or Exclusive Provider Organization plans, allow access to all in-network healthcare providers. Unlike PPOs, you must stay in network to receive benefits.
- Point of Service (POS) plans are a mix of an HMO and PPO, in that you typically have a PCP to see for checkups and referrals, but you can still see out-of-network providers if you’re willing to pay more out of pocket. Again, these usually have a co-pay and deductible.
- High Deductible Health Plans (HDHP) is a good option for relatively healthy people who rarely see a doctor and want to keep premiums low. If you have an HDHP plan, you may also want to set up a Health Savings Plan (HAS) to help you cover the higher deductible or expenses if a health issue arises.
- Short-Term Health Insurance Plans do not meet Obamacare requirements, but they may be a good option if you missed the open enrollment period. These plans offer fewer benefits but can still provide protection if a covered illness or accident occurs. You may, however, still be penalized on your taxes with this plan. These plans also do not cover preventative care and are not available if you have certain preexisting conditions.
- Gap or Supplemental Insurance Plans help cover emergency medical costs. It can be a stand-alone policy, or a supplement to other insurance plans. This will cover things like critical illnesses and accidents.
The health insurance maze is complicated. Let our expert team, work with you to find the best option for you and your family.
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7807 Baymeadows Road E, Suite 301,
Jacksonville, FL - 32256