The health decisions you make today affect tomorrow. For this reason, it’s important to find health insurance in Jacksonville, FL., that fits your needs. And this is true regardless of how healthy you are or seem to be because accidents and illnesses can arise with no warning. Since healthcare is more accessible now than ever, there’s no better time to start looking.
The best part is that it doesn’t matter if you’re looking for major medical, dental, Medicare Supplemental, or any other type of health insurance in Jacksonville, FL.; there are professionals who can help. And since no two people’s healthcare needs are the same, Florida insurance agencies offer many different packages, some of which are customizable.
Here are the most common types of health insurance in Jacksonville, FL.:
- Family plans
- Individual plans
- Group plans
- Vision coverage
- Temporary coverage
- Dental coverage
- Travel health insurance
- Child health insurance
- Long-term care insurance
- Disability Insurance
Table of Contents
Why Do You Need Health Insurance In Jacksonville, FL.?
Medical prices seem to always be on the rise, so you should try to prepare for the future. And if you need health insurance to reduce your current medical expenses, this is even more reason to take your time and find the best health insurance in Jacksonville, FL. Just keep in mind that you’ll have many plans from which to choose, and they will cover different things such as emergencies, hospital stays, and prescriptions.
Of course, when most people think about health issues, their minds immediately turn to the worst-case scenario. But as we mentioned, even if you’re healthy, you still need health coverage. And yes, healthcare is essential when you are injured, ill, or require surgery. Considering that a three-day hospital stay can cost up to $30,000, and a broken leg can cost $7,500. These numbers are enough to bankrupt you without an insurance policy to help, especially when you consider that other severe illnesses such as cancer can require treatments that cost over $100,000.
Did you know that medical bills are the top reason Americans consider taking from their savings and filing for bankruptcy? Making sure you never end up in this situation should be reason enough to get you thinking about healthcare coverage. If you need more, keep reading:
Treatments are Cheaper
The benefits of having health insurance in Jacksonville begin immediately. And this is still true when you choose a plan that requires a deductible, as you pay less for doctor’s visits than if you have no insurance. Furthermore, some programs offer generic drugs at reduced prices and free disease management. Perhaps the best part is that maintaining health coverage and visiting the doctor are the best ways to prevent and identify diseases early.
Preventative Care is Good for Your Health
If you shop via the Federal marketplace, most plans cover preventative care costs completely. In other words, your insurance will pay for your annual check-ups and immunizations when needed. You also get access to free health screenings and help manage chronic illnesses such as blood pressure, diabetes, and depression.
It’s also worth mentioning that while eating healthy and regular exercise are great for your overall health, they will not prevent random injuries or illnesses from arising. And in the event something happens, having insurance may be the deciding factor if you get the care you need or not.
It Gives You Peace of Mind
With all of that being said, knowing that you have health insurance on standby when needed gives you the confidence to live your life. Yet, before choosing a plan, be sure it offers everything you need, and if not, move on to the next option. Remember to factor in things such as prescription costs, mental health, maternity, lab services, emergency care, etc.
Networks and Plan Types
As you know, there are many insurance plans from which to choose in the marketplace, with each providing assistance with different costs. Just watch out, though, because some plans restrict your provider choices and require you to get treatment from only those within their network. Such services can include those relating to pharmacies, primary care physicians, hospitals, and more. Though you’ll also find health insurance in Jacksonville, FL. that does not have the same limitations, in which they do allow you to see out-of-network providers.
For this reason, it’s vital that you understand the different types of marketplace plans so you can choose the best one for your needs. Here are the types of plans you’ll find in the marketplace (please note that some of these plans are subject to local availability, and each plan may offer gold, silver, and bronze level options.
HMO – Health Maintenance Organization
HMO policies limit care services to providers within a set network. The HMO contracts such physicians, and only emergency services are covered out-of-network. You may also find that some HMOs require members to live or work inside of a specific service area. Most people choose HMO health insurance because it puts great focus on preventative care and disease prevention.
EPO – Exclusive Provider Organization
An EPO is a managed care plan that pays only for medical services performed by in-network providers. The only exception is for emergency care, which is covered.
POS – Point of Service
Point of Service policies are basically discount medical plans. They allow members to use in-network providers for reduced fees. These plans are not for everyone, and it’s worth mentioning that you must obtain a referral to see a specialist.
PPO – Preferred Provider Organization
PPO policies are among the most common types of health insurance plans. It’s popular because it allows members to pay less for services performed in-network but still allows you to choose your medical providers for an additional fee. Travel nurses, truck drivers and anyone that travels for their career are looking for a name brand & nationwide ppo network that is widely accepted in Florida whether your down south in Miami or Fort Lauderdale as well as the northern part of the state in Jacksonville.
The Bottom Line
Health insurance is something everyone should have or at least consider. There are currently lots of options for health insurance plans on the market. And don’t think you’re only limited to the ACA plans because there are other players in the game, such as Sidecar Health, that are great options for some, especially freelancers. So, don’t wait too long to make a decision on health insurance – the sooner you’re covered, the better!
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Make your health a priority by preparing for the unexpected. Contact one of our agents today to walk through your best options.
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