HEALTH INSURANCE
Let me help you find a health insurance plan that fits your budget & needs
Do I Qualify for $0 Health Insurance?
Steve Turner
Insurance Agent & Broker
Do I Need Health Insurance?
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:
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
Health Insurance
MULTIPLE PLAN OPTIONS
There are many types of health insurance plans, including:
SINGLE + FAMILY COVERAGE
Cover yourself, your spouse, and your children at affordable monthly rates.
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
Health Insurance
As your Health Insurance Agent and Broker serving you in Florida, 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.
Steve Turner, Your Helpful Licensed Agent and Broker
FAQ
Health Insurance
OUR SERVICES
To learn more about this topic, please click on the related service link below:
Accident Insurance
Dental Insurance
Disability Insurance
Group Health Insurance
Health Insurance
Life Insurance
Medicare Advantage Insurance
Medicare Supplement Insurance
Prescription Drug Insurance
Retirement
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Health Insurance
Save 10 Ways: Out-of-Pocket Maximum
1 Best Health Plan Coinsurance
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MEDICARE SUPPLEMENT
PRESCRIPTION DRUGS
LIFE INSURANCE
DISABILITY INSURANCE
DENTAL INSURANCE
GROUP HEALTH INSURANCE
ACCIDENT INSURANCE
CONTACT STEVE TURNER INSURANCE AGENT & BROKER
I’m here to take your calls and emails and answer your questions 7 Days a week from 7:00 a.m. to 8:00 p.m., excluding posted holidays.
Steve Turner is a licensed agent, broker, and a longstanding member of the National Association of Benefits and Insurance Professionals®. Steve holds the prestigious designation of Registered Employee Benefits Consultant®. NABIP® is the preeminent organization for health insurance and employee benefits professionals and works diligently to ensure all Americans have access to high-quality, affordable Healthcare, and related services.
Steve Turner is a licensed agent appointed by Florida Blue.
EMAIL ME: 24×7
OFFICE LOCATION
STEVE TURNER INSURANCE SPECIALIST
STEVE TURNER REBC®
14502 N DALE MABRY HWY
SUITE 200
TAMPA, FL 33618
Website: steveturnerinsurancespecialist.com
Email: [email protected]
Phone and Text: +1.813.388.8373
Business Hours:
Monday: 7 am to 8 pm
Tuesday: 7 am to 8 pm
Wednesday: 7 am to 8 pm
Thursday: 7 am to 8 pm
Friday: 7 am to 8 pm
Saturday: 7 am to 8 pm
Sunday: 7 am to 8 pm