Before purchasing Lakeland health insurance for you and your family, make sure you know how the contracts between the insurer and the insured work. There are some protection laws in the US healthcare market that you may not be aware of.
Dulcinea Insurance dedicates this post to offering a first approach to medical insurance in Lakeland. If you are one of those who like to read, you can call us directly at 786-910-9487.
How does health insurance work in Lakeland?
Lakeland health insurance facilitates access to certain health services and helps you share your expenses with the insurer. But how much do you have to pay for your policy? How do you and the company share the costs of your health care?
To answer those questions you must know some health insurance basics:
- Before: monthly fee you pay the company for your plan
- Deductible– Amount you must pay out of pocket in the year, before the insurer begins to cover it
- Copay: a fixed value of money that you have to pay for each consultation
- Coinsurance: percentage of expenses that you must pay for the services, after reaching the deductible
Depending on the type of plan you choose you could find some or all of these categories and even others. Take advantage of Dulcinea Insurance’s free advice to better understand how clients and insurance companies share health expenses. You can also call us at 786-910-9487.
Lakeland Health Insurance Types
If you wish to buy medical insurance in Lakeland you should know the types of insurance that you can find here. These are the main ones:
Private health insurance: Fully managed by insurance companies, with more comprehensive and personalized coverage according to the client’s interests. They have high monthly costs.
Health plans by the Government: Managed through state or federal programs. They offer subsidies to help with your health expenses. You must meet certain requirements to qualify for these plans:
Short-term health insurance: There are no requirements to qualify and you can buy them at any time. They may have limited coverage, high deductible costs, and a premium if you have a chronic illness.
Lakeland Obamacare Subsidized Health Insurance
You you can buy private health insurance at low costs, if you qualify for a credit through Obamacare.
Obamacare es a federal program that provides a subsidy to low-income families and facilitates their access to quality coverage for a very economical price.
To qualify for health insurance through Obamacare You must be legally in the USA, have a Social Security number and register income between 12,880 and 51,520 dollars per year. Read other Obamacare requirements
Call us at 786-910-9487 and one of the Dulcinea Insurance agents will update you on all the documentation required to obtain a Lakeland health insurance with Obamacare subsidy.
Your health plan by metal categories
Before you buy Lakeland health insurance, learn about the different categories of plans. These are divided into Bronze, Silver, Gold and Platinum.
The metals do not indicate the quality of the plan but how you and the insurer will share the health costs.
That’s how your health plan roughly covers the expenses for medical services:
- Bronze: 60% of costs
- The payment: 70% of costs
- Oro: 80% of costs
- Platinum: 90% of costs
The lowest category is Bronze. A Bronze Plan usually has low monthly premiums, but a fairly high deductible value.
If you apply for health coverage through Obamacare, You could buy a Silver or Silver plan with coverage of up to 94% of the expenses.
At Dulcinea Insurance we help you know and hire the best medical insurance in Lakeland. Call to [telefononv]!
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