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HEALTH INSURANCE

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:

  • 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

Health Insurance

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

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

EMAIL ME MOBILE / TEXT

FAQ

Health Insurance

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. [Health Insurance]

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]

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. [Health Insurance]

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)

[Health Insurance]

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. [Health 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. [Health Insurance]

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. [Health Insurance]

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]

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. [Health Insurance]

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. [Health Insurance]

WHAT MY CLIENTS SAY ABOUT ME

Map to Get to Steve Turner Insurance Specialist Office

POSTS

Health Insurance

What is Health Plan Coinsurance?

What is Health Plan Coinsurance?

In health insurance, coinsurance refers to your share of the costs for a covered healthcare service, calculated as a percentage of the allowed amount for that service. This cost-sharing begins after you have paid your plan’s annual deductible. Unlike a copayment, which is a fixed dollar amount you pay for certain services (like a doctor’s visit or prescription), coinsurance is a variable amount that depends on the total cost of the service received.
Keep Reading Article What is Health Plan Coinsurance?
What is a Health Insurance Copay or Copayment?

What is a Health Insurance Copay or Copayment?

At its core, a health insurance copayment, or copay, is a fixed amount of money you, the insured individual, pay out-of-pocket for a covered healthcare service when you receive that service. Consider it your predetermined share of the cost for a specific visit or service. This fixed fee is paid directly to the healthcare provider, such as a doctor’s office, urgent care clinic, or pharmacy, before or after you receive care, depending on the provider’s billing practices. Your health insurance plan typically covers the service’s remaining cost, assuming you have met any applicable deductibles or other cost-sharing requirements.
Keep Reading Article What is a Health Insurance Copay or Copayment?
What is a Health Care Deductible for Health Insurance?

What is a Health Care Deductible for Health Insurance?

Navigating the complexities of health insurance can be challenging for residents. Terms like premiums, copayments, coinsurance, and deductibles can often create confusion; however, understanding these components is crucial for managing healthcare expenses and selecting the most suitable coverage. Among these terms, the health insurance deductible plays a significant role in determining how much an individual pays out-of-pocket before their insurance plan begins to cover a larger portion of the costs. People frequently turn to online resources to understand these concepts, reflecting a high public need for clear information, especially concerning cost-related aspects of health insurance.1 Concerns about healthcare costs, unexpected medical bills, and the affordability of coverage are widespread. This article aims to demystify the health insurance deductible for Floridians, explaining what it is, how it is determined within the state’s insurance landscape (particularly under the Affordable Care Act, or ACA), and providing estimated typical deductible amounts for 2025 to aid in informed decision-making.
Keep Reading Article What is a Health Care Deductible for Health Insurance?
What is a Health Insurance Premium?

What is a Health Insurance Premium?

Navigating the complexities of health insurance costs can often feel overwhelming for consumers. High volumes of online searches for terms like “health insurance” underscore a significant public need for clear information. Understanding the health insurance premium is a critical starting point in demystifying these costs. The premium represents the regular payment made to an insurance company to maintain active health coverage. Think of it as a membership fee required for access to a network of healthcare services and financial protection against high medical costs.
Keep Reading Article What is a Health Insurance Premium?
How does Health Insurance Work?

How does Health Insurance Work?

Securing health insurance is a crucial component of financial planning, as it ensures access to necessary medical care for individuals and their families. The potential for high healthcare costs underscores the importance of understanding coverage options. Florida’s health insurance landscape is complex, incorporating private insurance plans available through employers or individual purchase, alongside significant federal and state government programs designed to cover specific populations.
Keep Reading Article How does Health Insurance Work?
WHAT ARE THE 4 MOST COMMON HEALTH INSURANCE PLANS? - ALL LOCATIONS

What Are The 4 Most Common Health Insurance Plans?

Navigating health insurance options can be overwhelming. Plans vary significantly. Some offer complete doctor choice (PPOs), while others restrict you to a network (HMOs). Costs also differ: some have higher monthly premiums, while others have higher out-of-pocket expenses. Finding the right plan for your family requires careful consideration. HMOs often cost less monthly, but you must see doctors in the plan’s network. You may need a referral to see a specialist. PPOs let you see any doctor you want. You can see doctors in or out of the network, but they usually cost more out of the network. EPOs are like a mix of HMOs and PPOs. They offer some freedom and cost less than PPOs, but you may not need a referral to see a specialist. POS plans are similar to PPOs. They let you see doctors outside the network, but you will pay more.
Keep Reading Article What Are The 4 Most Common Health Insurance Plans?
DO I NEED AN INSURANCE AGENT FOR HEALTH INSURANCE? - ALL LOCATIONS

Do I Need An Insurance Agent For Health Insurance?

Many people find that having a local insurance agent is very helpful when choosing a health plan and feel agents can find the best price. Agents explain the plans in a way that is easy to understand. Some people are too busy to research on their own, and they want an agent to do it for them. People like that an agent can help with the whole process. This includes the application. It also includes claims and billing questions. People new to an area may not know where to start. A local agent can give them some direction. People also want to ensure they get all the benefits they can. An agent can help with this. Some people worry about their medical history. They want to be sure they can get coverage. An agent can help with this. Some people like to meet with someone face-to-face. They want to know they have an advocate. An agent can be that advocate.
Keep Reading Article Do I Need An Insurance Agent For Health Insurance?
IS IT CHEAPER TO GET HEALTH INSURANCE THROUGH AN AGENT - ALL LOCATIONS

Is It Cheaper To Get Health Insurance Through An Agent?

It’s a common myth that health insurance agents are more expensive than buying directly from the insurance company. This isn’t the case. Working with a local agent can be cheaper and offer several advantages. Agents can help you find the right plan, understand your choices, save money, avoid errors, maximize your benefits, and assist with enrollment, claims, and questions. They can even act as your advocate.
Keep Reading Article Is It Cheaper To Get Health Insurance Through An Agent?

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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.

+1.813.388.8373
7-DAYS | 7AM – 8PM
BOOK A CALL
24 x 7

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

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