On this blog we cover not only matters relevant to our insurance products but we also emphasize the importance of life coverage, financial security, and future planning for our families.
Vision care coverage is not mandated for adults by the ACA. If a health plan includes dental, the premium covers both health and dental coverage. Having said that, in most states, stand-alone vision plans are not offered through the exchanges, and even if they are, you can’t use your premium subsidy to offset their cost…. [Read More]
Medicare Advantage Plans work like traditional HMOs and PPOs. You may already be familiar with these types of plans (HMOs and PPOs). Medicare Advantage, also known as Medicare Part C, makes it possible for people with Medicare Part A (hospital insurance) and Part B (medical insurance) to receive their Medicare benefits in an alternative way…. [Read More]
Acknowledging that the COVID-19 public health emergency (PHE) continues to constitute exceptional circumstances, the Biden administration has recently announced that the Affordable Care Act (ACA) Special Enrollment Period (SEP) for the federal healthcare exchange has been extended through August 15.
Still need 2025 coverage? Since the Open Enrollment Period for this year is over, you can only enroll in or change an ACA health plan if you qualify for a Special Enrollment Period. A Special Enrollment Period (SEP) is a time outside the yearly Open Enrollment Period when you can sign up for health insurance…. [Read More]
Your Opportunity to Update Health Coverage and Retain ACA Subsidies for 2025 November 22, 2024 – Orlando, FL – Insurance Pro would like to remind our clients that the Affordable Care Act (ACA) Open Enrollment Period has officially begun as of November 1, 2024. This crucial period offers an opportunity for individuals to renew their… [Read More]
Did you already apply for 2025 coverage? Since 2022, enrollment throughout the year is allowed for people with income up to 150% of the federal poverty level (FPL), that means they have the option to enroll in health insurance under the Affordable Care Act (ACA) year-round, provided they live in states that adopted this flexibility… [Read More]
Dental coverage is available 2 ways You can get dental coverage 2 ways: as part of a health plan, or by itself through a separate, stand-alone dental plan. If a health plan includes dental, the premium covers both health and dental coverage. Just as it’s with a standalone vision plan, if you choose a separate… [Read More]
The cost of life insurance premiums in Florida, as in other states, is influenced by several factors. Insurance companies use these factors to assess the level of risk associated with insuring an individual and determining the appropriate premium amount. Some of the main factors that affect the cost of life insurance premiums in Florida include:… [Read More]
Yes, you can have multiple life insurance policies in Florida, just as you can in most other states. There is no law or regulation that restricts individuals from owning more than one life insurance policy in Florida or any other state. In fact, having multiple life insurance policies can be a strategic financial decision for… [Read More]
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