Get the preventative health and emergency medical services that you and your loved ones need by securing the right health insurance.
If you do not have the right insurance in place, then an unexpected medical emergency could deplete your savings faster than you could ever imagine. This is why it’s so important to have the right health insurance in place. However, if you are shopping for a personal health insurance plan, then you might be feeling overwhelmed by all the different options available to you. Furthermore, you might be confused about navigating the enrollment process. Luckily, with the experts at UniVista Insurance on your side, you can secure the comprehensive health coverage that you and your family need.
Health Insurance Services
We understand just how confusing the health insurance market can be. This is why our agents personally guide our clients through the process of selecting their insurance plans. We pride ourselves on always putting our clients first and we make a sincere effort to understand individual needs, limitations, and budgets. From there, we leverage our industry knowledge and resources to find the right health coverage solutions to meet every client’s unique requirements.
When you rely on us for your health insurance needs, we ensure that you understand every facet of your health policy, from coverage to deductibles to co-payments. All of our health plans include essential health benefits including the following:
- Ambulatory patient services
- Emergency services
- Maternity and newborn care
- Pediatric services
- Mental health services
- Prescription drugs
- Rehabilitative services
- Laboratory services
- Preventative health and wellness services
Do you need health insurance?
Many clients call Univista Insurance requesting health insurance quotes. Our agents offer you health insurance quotes through the Marketplace, known as Obamacare, as well as private insurance.
Most customers opt for Obamacare insurance options. This is because the tax credit that covers part or all of the price of the health insurance premium can be applied to these insurances depending on the family income that is declared in tax taxes.
To be eligible to apply for insurance from the Insurance Market, you must reside in the United States, be a United States citizen, be a resident or have legal presence in the country.
The enrollment period for health insurance begins on November 1 and ends on December 15. If you were unable to enroll on this date, you can call and check with our Univista Insurance agents if you qualify for a Special Enrollment Period.
How to save on the monthly cost of health insurance through Obamacare insurance?
You may be eligible for a monthly health insurance price reduction if you apply to Obamacare insurance. For that, our Univista Insurance agents guide you in the process of the quote and purchase of your health insurance.
It is important to estimate the family income for the year of health insurance application. At Univista Insurance, we have many years of experience guiding our clients on how to make their income estimates to get the correct tax credit.
It is important to start with the gross income of the people that is included in personal taxes. Spouse’s income must be included even if you don’t need coverage. If someone in your family is not going to be claimed on your taxes, you should not include them in your estimate of your annual income.
You should estimate your earned income, Social Security benefit income, interest income, income from retirement plans like IRA and 401K, dividend or capital income, income from corporations, income from rentals or royalties.
If you are self-employed, you must estimate the gross income and expenses related to your self-employment activity to arrive at net income. You can follow Schedule C that is filed each year as part of your federal taxes.
It should not include income related to alimony, child support, gifts, Supplemental Security Social Security (SSI) payments, worker protection policy payments, student or other loans, veteran disability payments, income from retirement accounts Roth IRA, nor are gifts.
If you receive unemployment compensation, you must include that gross amount in your estimated annual income calculation.
At Univista Insurance we always recommend to be guided by the tax return of the previous year and adjust this with the expected changes in income in the year in which you seek coverage.
If your income changes suddenly during the year, immediately contact our agents at Univista Insurance to adjust your application so that you can receive the tax credit that corresponds to your income. Receiving an incorrect tax income leads to your federal tax being affected if you do not adjust your application on time.
The insurance market always sends a copy of your application documents. At Univista Insurance we always recommend reviewing and verifying the income figures included in your application to make sure they were estimated correctly.
What if I don’t qualify for High Income Tax Credit Savings?
In the event that your high income does not qualify for a tax credit, we can offer you options of other insurance that you can access. There are many insurance options in the same Insurance Market and private health insurance that can be traded in Florida. Prices vary depending on the insurance company and the characteristics of the plans. Our Univista Insurance agents will guide you through the process of choosing the right plan for you.
What are the characteristics of health insurance?
Every year insurance companies in Florida update the health insurance plans they offer during the enrollment period. Once the applicable premium tax credit is estimated, it’s time to choose the best health insurance plan for you and your family.
First, it is important to know the types of plans according to the metal levels.
There are 4 types of health plan metals:
Bronze: Bronze plans are the cheapest in the market in terms of premium, however they have high deductibles and copays. For many individuals and families the cost of these plans is zero payments because the price is less than the tax credit they receive. Recommended if you want to pay a low premium and be protected in the event of an emergency. Not recommended if you need frequent medical attention.
Silver: These plans have affordable costs, low deductibles and copayments, they are the only plans that have additional savings in case you qualify for the reduction of cost sharing (it is an additional discount on deductibles, copays and coinsurance that applies when you qualifies for the low income tax credit). Highly recommended when you receive a tax credit and when you need frequent health care.
Gold: These plans have higher prices and lower costs when using medical services. The deductibles and copays are not that high. Recommended if you are willing to pay more in premium to access a low cost plan and especially if you need health services frequently.
Platinum: The best plans, but also the ones with the highest prices on the market. They have very low copay costs and deductibles. Recommended if you want the best plan on the market and have low costs regardless of the monthly cost of the premium.
Costs of medical services that make up health plans
This is the most important thing to know when you are choosing and comparing health plans: Monthly premium, Deductibles and Payments you must make for health services.
The monthly premium is the price that you must pay to the health insurance company. It must be paid monthly always before the month in which the coverage begins and not be delayed beyond the grace period stipulated by the company that offers your policy. At Univista Insurance we always guide clients who need assistance to make payment and we also provide courtesy reminders when clients are in danger of losing their health insurance for not making payment on time. We are always aware of the policies and avoid cancellation due to carelessness and forgetfulness that clients may have had in their monthly payments.
The deductible is the part that you must pay for medical services before your health insurance company will pay. For example, if you have a deductible of 950 USD that applies to Emergencies and this service had a cost of 2000.00 USD, it means that you have to pay 950.00 out of pocket first and then the rest of your bill (1050.00 USD) will be paid. your health insurance company.
Copayments and coinsurance are the payments you must make when you receive the medical service after meeting the deductible. For example, if a medical test has a copayment of $ 10.00, you must pay that amount at the time of the medical test. If you also have a 10% coinsurance then you must also pay 10% of the price of that service charged by the medical center where the test is performed.
The maximum out-of-pocket cost is the maximum amount you will pay for the year. Your payments accumulate throughout the year and once you reach this maximum, the insurance company will pay for all of your medical services.
Free preventive services
There are several services that are free because they qualify as preventive services. For example: Mammography, Papanicolau, Exams and control of certain diseases, etc.
Health coverage is one of the essential types of insurance that you and your family cannot afford to overlook. If you need assistance with securing the right health insurance in Florida, then please do not hesitate to contact us at UniVista Insurance in Hialeah. Our experienced agents are ready to guide you through the complicated health insurance marketplace.