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The good news is the Affordable Care Act is still the law of the land. The law requires you must purchase a 2020 plan to make sure you have coverage for wellness checkups, doctor visits, prescriptions and hospital care.
This year you have less time to enroll or change plans: December 15 is the deadline. If you miss it, you may need to wait until 2020 to get coverage or make changes to your health plan. For 2019, you may have new health plan options available to you. Our agents can help you find a plan that meets your needs and budget.
It depends. Who you see and how much you’ll pay really depend on the plan you choose. When considering your options, you should ask about the costs for primary care doctor or specialist visits, and which doctors, hospitals and pharmacies are in the network. Some plans offer doctor visits as low as $0 when you see a network provider.
Yes, if one of those insurers is yours. If they are leaving the Marketplace, your plan will likely be canceled, ultimately leaving you without health care coverage. With Fiorella Insurance, you can rest assured we have plans to fit your needs and we’ll be here for you––as we have been for more than 30 years.
You can continue to get financial assistance based on the 2020 eligibility guidelines. Our licensed agents are certified by the federal government can help ensure your Marketplace application is up to date, so you can get the tax credit you qualify for and help lower your 2020 monthly payment.
Copayments and coinsurance – Payments you make each time you get a medical service.
Deductible – How much you have to first spend on covered services before the insurance company pays a portion of the covered services (except for free preventive services).
Out-of-pocket maximum – The most you have to spend on covered services in a year. After you reach this amount, the insurance company pays 100% for covered services.
Premium – The monthly cost you must pay to maintain your health insurance coverage. This is often referred to as “monthly premium”.
Quote – Health insurance companies are required to give you an accurate estimate of what you should expect to pay as well as the terms of your health insurance plan, should you decide to do business with them. These estimates are commonly referred to as a “quote”.
Al enviar mi información, incluido mi número de teléfono y / o teléfono móvil y presionar en continuar, acepto la Política de Privacidad de este sitio y doy mi consentimiento para que Fiorella Insurance y / o sus Afiliados se comuniquen con nosotros de forma gratuita, cotizaciones de seguros sin obligación, y comunicación de seguimiento, incluyendo pero no limitado al seguro de salud, seguro de vivienda, seguro de salud y seguro de vida, así como a productos relacionados. Reconozco que estas compañías pueden llamar a través de un sistema de marcación automática, usar un mensaje pregrabado o enviar mensajes SMS. Reconozco y comprendo que no estoy obligado a proporcionar esta autorización para comprar bienes o servicios.