|| MEDICARE OPEN ENROLLMENT STARTS ON OCTOBER 15TH, AND ENDS ON DECEMBER 7TH – DON’T WAIT! ASK US YOUR QUESTIONS EARLY! || GENERAL HEALTH INSURANCE OPEN ENROLLMENT STARTS ON NOVEMBER 1, 2024, AND ENDS DECEMBER 15, 2024, FOR PLANS TO START JANUARY 1, 2025 – DON’T WAIT! ASK US YOUR QUESTIONS EARLY! ||

HEALTH INSURANCE

HEALTH INSURANCE

Let me help you find a health insurance plan that fits your budget & needs

Steve Turner
Insurance Specialist

Do I Need Health Insurance?

It would be best to go to the doctor when you or a family member is in pain, hurt, or ill. Medical bills are the #1 reason for personal bankruptcy. I’ll gladly help you find a health insurance plan that fits your budget and needs.

It’s essential to evaluate your own healthcare needs and preferences when considering a Health Insurance plan. 

I’m sharing here how I can help. Before you enroll in a health insurance plan, I’ll do a complimentary needs analysis and carefully review the plan’s benefits and costs with you. There’s no obligation to buy anything. After our consultation, if you choose me as your Agent, you won’t have to call an (800) number anymore. You can contact me directly with questions, concerns, or issues about your Health Insurance plan throughout the year. 

Top Five Questions Peole Ask Me Most About Health Insurance

Why do I need Health Insurance?

I think we should start here. Did you know that medical expenses are one of the leading causes of Bankruptcy in America?

One of the most important reasons you have Health Insurance is for the Max Out of Pocket or, as I like to call it, the stop loss. Let’s say, for example, your Max-Out-of-Pocket (MOOP) is $2000, and you just had a hospital stay, and the bill is $100,000.

You would only pay $2000; your health plan will pick up the rest if your provider is in-network.

That said, the goal is to keep you out of the hospital, right?

That’s why it’s essential to have an annual wellness checkup. Your primary care physician helps keep you on track, and the wellness visit doesn’t cost you a penny.

Health Insurance offers you peace of mind. Health Insurance works with doctors, hospitals, and pharmacies to lower costs.

So, just by having a health plan, you’ll usually pay less for care or prescriptions than if you didn’t have coverage, even before you meet your deductible.

How much will Health Insurance cost?

The cost depends on the plan you choose. Most Health Insurance plans must cover preventive services, like annual wellness checkups, vaccines, and screening tests, at no additional cost when you stay in-network.

Some people qualify for help from the Federal Government, which is called “tax subsidies.” These tax credits can lower your monthly payment based on your income, family size, location, and the type of plan you choose. 

Are my doctors “In-network?”

This is one of the most essential factors in choosing a Health Insurance plan. Health Insurance companies work with doctors to bring your costs down.

If your doctors aren’t “in-network,” you’ll pay much higher out-of-pocket costs even if you’re in a PPO. It’s important to tell your agent who your doctors are so they can make sure they are in-network with the plans you are looking at.

What’s included in a Health Insurance plan?

The specific details of what is included in a Health Insurance plan can vary depending on the provider and the type of plan. You and your agent should look over the benefits summary for the plans you are considering.

Here are some standard features of Health Insurance plans:

  • Coverage for medical services: Health Insurance typically covers a range of medical services, including doctor visits, hospitalizations, surgeries, and emergency care.
  • Prescription drug coverage: Many Health Insurance plans include coverage for prescription drugs, which can help lower the cost of medications.
  • Preventive care: Health Insurance plans often cover preventive services such as annual checkups, screenings, and immunizations.
  • Mental health and substance abuse treatment: Health Insurance plans may cover mental health and substance abuse treatment, including counseling, therapy, and medication.
  • Maternity care: Many Health Insurance plans include coverage for maternity care, including prenatal visits, labor and delivery, and postpartum care.
  • Rehabilitation and therapy services: Health Insurance may cover rehabilitation and therapy services, such as physical therapy, occupational therapy, and speech therapy.

Some Health Insurance plans may include Vision and dental. If they don’t, you’ll need a stand-alone vision or dental plan.

When do I need to enroll in a health plan?

Enrolling in a Health Insurance plan is during the Open Enrollment Period (November 1st – December 15th).

If you miss the Open Enrollment Period, you may still be able to enroll throughout the year if you have certain life events, such as losing current coverage, moving to a different county, getting married, or having a baby.

You may be eligible for Federal Assistance to help pay all or a portion of your Health Insurance premiums. There could be Health Insurance plans as low as $0 per month if you qualify. 

HOW I CAN HELP YOU

MULTIPLE PLAN OPTIONS

There are many types of health insurance plans, including: 

  • Health maintenance organization (HMO)
  • Preferred provider organization (PPO)
  • Point-of-service (POS)
  • Exclusive provider organization (EPO)
  • Health savings account (HSA)
  • Major medical insurance
  • … and Much More!

SINGLE + FAMILY COVERAGE

Cover yourself, your spouse, and your children at affordable monthly rates.

  • Emergency Treatment
  • Hospitalization
  • Dislocations & Fractures
  • Lacerations
  • Burns
  • Rehabilitation
  • 24-hour Coverage / Off the Job Coverage
  • Accidental Death & Dismemberment
  • … and Much More!

HMO & PPO PLANS

What are HMO and PPO Plans?

Health maintenance organization (HMO): A plan that provides care through a network of doctors and hospitals. HMO members pay a monthly fee in advance, so there are usually no deductibles or co-payments. 

Preferred provider organization (PPO): A popular plan offering a vast healthcare provider network. PPO members pay less when they see a provider in the insurance company’s network

HEALTH INSURANCE AGENT AND BROKER NEAR ME

As your Health Insurance Agent and Broker, my goal is to “help you” and ensure, without a shadow of a doubt, that you and your family are secure and protected from risk. As a licensed Health Insurance agent, I take the burden off your shoulders by custom-tailoring Health Insurance packages to fit your needs.

I can help you save on severe medical emergencies and find a health insurance plan that offers low- to no-cost doctor visits and prescription medication. I will show you plans where your doctors are in-network and a side-by-side comparison of your prescription costs with the different plans.

Health insurance is constantly changing, and I work tirelessly to stay informed about the latest developments in the market.

I am a long-standing National Association of Benefits and Insurance Professionals® (NABIP.ORG) member and hold the prestigious Registered Employee Benefits Consultant® designation (https://nabip.org/professional-development/rebc-designation). I can provide information on your market’s availability and any expected changes.

After you choose your Health Insurance plan, I provide ongoing support all year; you won’t have to call an (800) number any longer.

If you have any questions, issues, or concerns about your plan’s benefits, you can contact me via phone, text, or my simple-to-use email contact form using the buttons below.

EMAIL ME MOBILE / TEXT

HEALTH INSURANCE FAQ

Health insurance is a contract between a company and a consumer. The company agrees to pay all or some of the insured person’s healthcare costs in return for a monthly premium payment.

The Affordable Care Act (ACA) mandates that employers must offer health insurance coverage to eligible employees within 90 calendar days. This is called the 90-day waiting period limitation.

Health insurance covers the cost of visits to see your primary physician, specialists, and other medical providers. It also covers when you get health care services at a hospital, whether for emergencies or surgeries, outpatient care, procedures, or overnight stays.

Medicare consists of four parts, each covering specific services:

  • Medicare Part A (Hospital)
  • Medicare Part B (Medical)
  • Medicare Part C (Medicare Advantage plans)
  • Medicare Part D (Prescription drugs)

The 90-day probation period is a block of time for your employees to start new jobs, with you having to wait before health coverage kicks in. It streamlines access to benefits by preventing your team from waiting forever before receiving insurance.

According to the ACA, 90 days is how it sounds: a waiting period is 90 consecutive days (not counted in terms of months), and if it includes weekends and holidays, they count toward the total waiting period.

HMO plans typically have lower monthly premiums. You can also expect to pay less out of pocket. PPOs tend to have higher monthly premiums in exchange for the flexibility to use providers in and out of the network without a referral. Out-of-pocket medical costs can also run higher with a PPO plan.

The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself. You pay a fixed amount ($20, for example) for a covered healthcare service after you’ve paid your deductible.

Health insurance can help reduce your risk of racking up medical debt. Only a handful of states enforce financial penalties if you don’t have health insurance, but financial protection is still wise.

Before your insurance company can end your coverage, you have a short time to pay, called a “grace period.” A brief period after your monthly health insurance payment is due to pay all owed premiums to avoid losing coverage.

WHAT MY CLIENTS SAY ABOUT ME

INSURANCE OFFERINGS

HEALTH INSURANCE

HEALTH INSURANCE
Learn More

MEDICARE ADVANTAGE

MEDICARE ADVANTAGE
Learn More

MEDICARE SUPPLEMENT

MEDICARE SUPPLEMENT
Learn More

PRESCRIPTION DRUGS

PRESCRIPTION DRUG PLANS
Learn More

LIFE INSURANCE

LIFE INSURANCE
Learn More

DISABILITY INSURANCE

DISABILITY INSURANCE
Learn More

DENTAL INSURANCE

DENTAL INSURANCE
Learn More

GROUP HEALTH INSURANCE

GROUP HEALTH
Learn More

ACCIDENT INSURANCE

ACCIDENT INSURANCE
Learn More

QUESTIONS? CONTACT ME

I’m here to take your calls and emails and respond to your questions Monday through Friday from 9:00 a.m. to 5:00 p.m., excluding posted holidays.

CALL/TEXT: M-F 9-5

EMAIL ME: 24×7


OFFICE LOCATION

STEVE TURNER INSURANCE SPECIALIST

14502 N DALE MABRY HWY

SUITE 200

TAMPA, FL 33618