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Health and Dental Insurance

This section of the website contains information on the following:

Affordable Care Act

:  this describes Obamacare (also called Affordable Care Act) plans, all of which apply to individuals under age 65.  As an exception, individuals over 65 who are not eligible for Medicare can also apply for these plans. 

These plans are sold on what is called the “marketplace” or “exchange,” which is the only place that individuals who qualify for tax subsidies (called “advance premium tax credits”) can purchase insurance. Except for eleven states and the District of Columbia, these plans are purchased through  Florida, for example, participates in the federal marketplace. See for a listing of states that have their own exchanges (i.e. these jurisdictions use their own exchanges instead of

Individuals who do not qualify for subsidies can buy EITHER on the marketplace or directly from insurance carriers.  Buying directly from an insurance carrier is referred to buying “off the exchange.”  Note that any plan that complies with the Affordable Care Act (either on or off the marketplace) must comply with the law and must include what are called the ten “Essential Health Benefits.” .

The open enrollment period for these plans is between November 1 and December 15 on the federal marketplace. Dates for open enrollment for plans bought through State exchanges or directly from insurance companies can differ slightly, but the period between November 1 and December 15 is always included in the open enrollment period everywhere throughout the United States and with every insurance carrier who offers coverage.  The open enrollment period is the ONLY time individuals can buy an Affordable Care Act plan without having what is called a “qualifying life event”  (examples are moving to a different plan service area, getting married or divorced, birth of a child, losing Medicaid eligibility, etc.)

Unless a person has a qualifying life event outside of open enrollment, the only types of plans he or she can purchase outside of open enrollment are short term health insurance, supplemental or limited benefits plans, or dental, vision, or hearing plans as described below.

Until January 1, 2019 there was a federal tax penalty for individuals who did not purchase an Affordable Care Act plan or who qualified for another type of plan (such as Medicaid or healthcare/medical cost sharing) that was either recognized as meeting Affordable Care Act requirements or was exempted under the Act.

Short Term Health Insurance

:  these plans do not comply with the Affordable Care Act and are sold for a maximum period of 364 days.  These plans are regulated by state insurance commissions.  Accordingly, maximums length of coverage varies by state (i.e. maximum durations can be less than 364 days),  plan provisions can differ by state,  and some states may not even permit short term health insurance plans to be bought in their states.  In most cases, individuals must successfully answer health questions to qualify for one of these plans.

Federal regulations permit renewal of short term plans for up to three years.

Health (Hospital-Surgical) Defined Benefit Indemnity plans

: In today's market where health insurance is often unavailable or not affordable, a Health (Hospital-Surgical) Defined Benefit Indemnity plan can help families budget and pay for health care expenditures. By providing a choice between different levels of hospital, medical and outpatient coverage, individuals and families can choose a plan according to their health care needs.

{Note: these are not major medical plans and are legally referred to as Limited Benefit plans. They do not comply with the Affordable Care Act (for example they do not include all of the minimum essential benefits) and until January 1, 2019 were subject to tax penalties until these were eliminated January 1, 2019.]

Eligibility for these plans is based on medical underwriting and not all those who apply will be eligible for coverage. The plans have a 12-month pre-existing condition limitation, and pre-existing conditions are not covered until the policy has been in effect for 12 consecutive months.

Supplemental Plans

:  These plans do not include all the ten Essential Health Benefits and do not otherwise comply with the Affordable Care Act.   They include supplemental benefit plans like critical illness, cancer, accident and hospital indemnity plans.   Some of these plans, depending on the carrier and state, can be bought after age 65, but can be bought up to age 65 in almost every state.  Most of these types of plans require answering health questions in order to qualify.

Dental, Vision, and Hearing Plans

: Dental, vision, and/or hearing plans can be bought on either an insured basis or as discount plans.  They can be purchased any time during the year, and in most cases are available to persons of all ages.

2021 Schedule
Affordable Care Act Open Enrollment

Open Enrollment begins November 1, 2020 and ends December 15, 2020
on the federal facilitated marketplace for plans to start January 1, 2021.

Before the next open enrollment period starts you can only enroll
for an Affordable Care Act plan if you have a qualifying life event.

You may be eligible to enroll for another type of plan.
Call us at 561-734-3884 or 877-734-3884 for details.

2021 Schedule
Medicare Annual Enrollment Period

Annual Enrollment begins October 15, 2020
and ends December 7, 2020 for a January 1, 2021 effective date.

You’re eligible to enroll now if you’re first becoming eligible for
Medicare or are eligible for another type of enrollment period.
Enrollment rules differ between Medicare Supplement plans and
Medicare Advantage, Medicare Advantage Prescription Drug,
and stand-alone Prescription Drug Plans.

Call us at 561-734-3884 or 877-734-3884 for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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