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A. L. Saland Insurance Solutions, Inc

15135 Ogden Loop
Suite 201
Odessa, FL 33556

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A. L. Saland Insurance Solutions, Inc Blog

Are you penalized for not having health insurance?

Health insurance is important to help people stay healthy and get care for any chronic or developing health issues. Health insurance is an important financial tool for many people and allows them to save money without having to pay out-of-pocket expenses in many cases. If you’re interested in getting top-quality health insurance, you can count on the experts at A.L. Saland Insurance Solutions Inc., who proudly serve the residents of the Odessa, TX area.

Health Insurance Penalties

Health insurance is required for all eligible adults to carry. Anyone who fails to obtain coverage for the year can be penalized. There are some exemptions to the rule based on personal situations, but generally speaking, almost everyone needs to have insurance. Individuals can obtain insurance coverage through their jobs or choose to obtain private insurance.

If you need insurance, you can count on our insurance experts to guide you through the process. We can provide insight and support to ensure you choose the right health insurance for your specific health care requirements and to fit your budget.

We take the time to get to know each customer and find out what benefits work best to meet their needs. We can also provide help with submitting information to secure the policy, and we’ll even help you with any claims you may have. It’s all a part of our commitment to our customers and delivering exceptional customer service.

Find Out More 

If you want to learn more about the products and services we offer at A.L. Saland Insurance Solutions Inc., we encourage you to reach out today. Please call or stop by our location to speak to one of our helpful and knowledgeable insurance agents. We take pride in delivering exceptional Insurance products to residents in and around the Odessa, TX area.

Is Health Insurance Required for Everyone?

Health insurance is an essential tool for keeping healthy and avoiding losses as a result of medical issues. Today, most Americans are required to have health insurance or incur a penalty unless they are exempt. If you would like to obtain quality health insurance, you can rely on the experts at A. L. Saland Insurance Solutions Inc. We are proud to help the residents of Florida get the insurance coverage they need.

Health Insurance Coverage 

Having the right level of health insurance is essential for maintaining your health. Individuals currently interested in finding health insurance policies that meet their current and future needs can count on our team of experts to help them decide. Each insurance agent is knowledgeable and licensed to assist the residents of Florida with policy selection.

We take the time to get to know each customer to help them determine which policies will benefit them most. Not only do we provide assistance with policy selection, but we can also help with document submissions, changes to the policy during its lifetime, and any claim submissions. We aim to help ensure each customer gets health insurance that offers them the protection and benefits they need to care for their health.

Reach Out Today 

At A. L. Saland Insurance Solutions Inc, we strive to give our customers exceptional support by working closely with them and providing them with information and education about the products we offer. To learn more, please call or stop by our offices today. We can schedule a consultation or provide additional details about the insurance products we provide for Florida residents. Get the health insurance coverage you need to comply with government requirements.

What Are Some Key Terms Used in Health Insurance Policies?

Residents living in the state of Florida are under no obligation to purchase health insurance, however, many choose to do so for a variety of reasons. A representative from A. L. Saland Insurance Solutions Inc will be happy to go into greater detail regarding the options available to you.

Here are some key insurance terms it will be helpful for you to know:


This is the amount you pay every month for your policy. This can be affected by several factors, such as tobacco use, your age, and the type of insurance policy you have chosen. It will also change depending on the number of dependents covered, and your location can be taken into account as well. 


This is the amount you have to pay before your provider will pick any additional costs. Very often, this includes expenses that are associated with benefits covered under your policy and may be subject to specific rules, such as prior authorization, referrals, and determining medical necessity. You may also be required to use a physician or specialist who is in the network. Deductibles tend to reset every calendar year, and the set point can often be chosen by subscribers. 

Provider Network

These are the healthcare professionals who have agreed to work with your insurance carrier and whose contracts allow them to bill for services rendered. These will include a list of hospitals, primary care facilities, and doctors. If you choose to receive treatment by someone not included in this group, this is referred to as an out-of-network provider and can affect how much your insurer can cover. 

Get Health Insurance Today

A. L. Saland Insurance Solutions Inc takes pride in serving those living in the state of Florida, and we look forward to working with you. We invite you to reach out to us for more information today. 

How to Choose a Health Care Plan

When it comes time to select a health care plan for you and your family, you are sometimes limited as to how long you have to make your selection. Whether choosing an employer-sponsored insurance plan or shopping for one on your own in Florida, you do not want to rush and make hasty decisions. If you still have questions about your health care needs, call the experts at A. L. Saland Insurance Solutions Inc.

Compare Health Insurance Plans

When it is time to select a health care plan, you are probably given a large amount of information to sort through. It may even look like alphabet soup tossed on paper, with terms such as HMP, PPO, EPO, and POS plans. Take a moment to compare the plans available and make notes on what is important to you and your family’s healthcare needs. Things to consider when selecting insurance coverage include, which doctors you can see, and the deductible and maximum out-of-pocket amounts. 

Compare Plan Networks

Insurance coverage varies between in-network and out-of-network providers. Compare both options and see if the doctors you already see are in-network. If they are out of network, check the plan to see if you can afford the out-of-network prices. 

Compare Out-of-Pocket Costs

The summary of benefits for your options should explain what items you must pay for out of pocket. For example, some policies have deductibles, which means all of your health needs must be paid for out of pocket before insurance coverage kicks in and starts paying. Additionally, you have max out-of-pocket amounts, which means you have a maximum amount to pay each year. Once you reach that amount, your insurance policy covers 100 percent of your covered medical expenses. 

When selecting a health care plan in Florida, reach out to A. L. Saland Insurance Solutions Inc for additional information and private health insurance coverage options. 

Why Work With Us?

  • Locally owned and operated
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  • Combines policies for best rates
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Partner Carriers

  • Aetna
  • Aflac
  • Allstate
  • Banner
  • Cabrillo
  • Cigna
  • Citizens
  • Edison
  • FedNat
  • Florida Peninsula
  • Gainsco
  • GeoVera
  • Guardian
  • Hagerty
  • Heritage
  • MetLife
  • Monarch
  • Neptune
  • Safeco
  • Security First
  • Tower Hill
  • Travelers
  • TypTap
  • Universal PC
  • Wright Flood