Making Health Insurance Easier to Understand

No one should go without quality health insurance, but it can be very challenging to pick a plan that is best for you and your family. Health insurance isn’t that easy to understand. If you’re confused, know that you’re not alone. Many people are left puzzled and unsure of which health coverage is best for them.

If you’re one of them, you may not know the difference between a premium, deductible, or copayment. You may even be confused about what the Affordable Care Act is, also called Obamacare, and how it can help you get low-cost health insurance in Florida.

We’re here to help you navigate choosing the right plan and answer your questions.

Important Health Insurance Terms and What They Mean

The following terms are commonly used when referring to health insurance:

1. Premium: This is the fee you pay your insurance company to have an active health insurance policy, usually on a monthly basis. If your premium is very high, you have options to offset the cost if you buy your plan through the Affordable Care Act marketplace.
2. Deductible: A deductible determines how much you will pay for your health insurance costs per year before your insurance plan pays its share. For example, if your deductible is $1,000, your insurance may not start covering its share of your health care bills until you’ve paid $1,000 for health care costs. However, your plan may still cover the costs of preventive care doctor’s visits before you reach your deductible.
3. Copayment or copay: This is the amount you owe each time you receive any type of medical service, and the amount you are charged depends on the kind of service you’re getting. For instance, you may pay a $30 copay for each primary care doctor visit but pay $50 for each visit to a specialist.

What Is the Affordable Care Act?

Also called Obamacare, the Affordable Care Act (ACA) was a law enacted in March 2010 with the goal of making inexpensive health insurance available to more people. The purpose of the law is to help those who live in households with limited financial means by offering subsidies, or premium tax credits, to offset the cost of their monthly premiums. That way, more households could have much-needed health insurance coverage through the health insurance marketplace in their state. One of these health insurance providers is Florida Health Care Plans (FHCP), offering affordable HMO plans with high-quality, comprehensive benefits.

What Is an HMO?

An HMO plan, short for “Health Maintenance Organization,” offers coverage among a group of health care providers within a network. The benefits of having an HMO plan are that you’ll pay lower monthly premiums and have lower out-of-pocket health care costs. With an HMO plan from FHCP, some specialists you see require a referral from your in-network primary care physician. However, the following specialists and programs do not require a referral:

• Podiatrist
• Gynecologist (OBGYN)
• Chiropractor
• Dermatologist
• Optometrist
• Smoking Cessation Program (Tobacco Free Florida)
• Weight Management Program (Eat Right, Move Right)

Contact Florida Health Care Plans for High-Quality, Affordable Health Insurance in Florida

FHCP has an insurance plan right for everyone, and we offer affordable health insurance coverage designed to meet the unique needs of our members. We offer flexible individual and family plan options that come with outstanding customer service, affordable monthly premiums, low deductibles, and reasonable co-pays. Members have access to more than 9,000 health care providers conveniently located throughout Volusia, Flagler, Brevard, St. Johns, and Seminole counties.

We are different from other Florida health insurance providers because we offer all-in-one health care facilities that provide a wide range of preventative, primary, and specialty care services, all in one convenient location.

Looking for inexpensive medical care coverage in Florida? Shop our plans now and learn about our comprehensive benefits coverage. It’s easy to get the care you need with our help. Contact FHCP today at 855-462-3427 to speak to a local, experienced insurance representative to find the best health insurance policy for you and your family.