Healthcare Plan Finder

Best Affordable Health Insurance in your area

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1. Do I still need to buy health insurance?

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.

2. Is there anything different this Open Enrollment that will affect me?

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.

3. Will I still be able to see my regular doctor? How much will it cost me?

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.

4. I’ve read that several health insurers are leaving the Marketplace. Do I need to be concerned?

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.

5. Will I still be able to get financial assistance to help pay my monthly premium?

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.

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Basics of Health Insurance

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”.

What Happens If I Don’t Buy Health Insurance?

Many people do not realize that healthcare related costs are the number one reason people go bankrupt in the United States. If you are sick or injured and don’t have insurance, you are stuck paying the bill without health insurance. The window to sign up is limited. Bottom line, don’t get left without coverage. Get a no obligation quote.

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