Regular visits to the doctor's office are essential in keeping you healthy. If you don't already have a health insurance policy, you should get one. There are a few reasons why having health insurance is essential.
If you don't have health insurance, you can expect to pay between $300 to $600 for your visit. If your doctor orders a blood test, urine tests, or imaging tests, the cost of the visit will increase significantly. Many people who don't have insurance cannot afford the cost of a visit, so they don't make appointments. If you have a health insurance policy, you would only be responsible for the copay.
The average cost of an overnight stay in a Florida hospital is $2,086. If you need surgery, that cost will increase exponentially. The same is true if you need to be in hospital for several days. If you don't have health insurance, your hospital bills could force you into bankruptcy.
If you purchase a health insurance policy, the entire stay might not be covered, but most of it will be.
If you have ever had to pay for a prescription out of pocket, you know how expensive prescription medication can be. If you don't have health insurance, you might not be able to afford the life-saving medication that you need.
Health insurance policies have prescription coverage. With insurance, you would just need to pay the copay on the medication.
When you file your income taxes, you are required to prove that you have health insurance. If you have no proof of insurance, you would be required to pay a fine at the end of the year. Currently, the fine is $695 for adults who don't have insurance and an additional $347.50 for each dependent that isn't covered. If you have a health insurance policy, you can avoid paying these penalties every year.
If you don't have health insurance, our agents at A. L. Saland Insurance Solutions Inc in Lutz, FL, can help. We can help you purchase an affordable health insurance policy that will give you the coverage you need. To get your policy started, give us a call or stop by today.
Medicare consists of four separate policies, referred to as Part A, Part B, Part C, and Part D. Part A comes from the federal government. When you turn 65, you qualify for it. You must register to receive it. Part A covers hospital stays. Part B covers things like doctor’s visits while Part C covers prescription drugs. Obtaining Part D insurance means you obtain a package deal that includes Part B and Part C insurance which you can only obtain once you have qualified for and obtained Part A. While the government pays for Part A, you pay for Part B, Part C, or Part D.
In Florida, as in other states, you can combine your insurance when you incur an injury. That means that you could, if you were over the age of 65, use your Part A Medicare to pay for your hospital bill then use your long-term disability insurance to pay for your rehabilitative convalescence. Your Part C, if you elected to purchase it, would pay for your prescriptions.
We at A. L. Saland Insurance Solutions Inc know that probably sounds a bit complex. Phone us with your questions or come visit us for an in-person consultation. We serve all of Lutz, FL and we want to help you better understand your many medical insurance options as you age.
"My experience was amazing! Les and April have helped me above and beyond when my husband was dying from brain cancer. They basically took over and submitted all my claims. These two are the epitome of good, caring, loving people who go the extra mile for their customers."
"I have only had exceptional experience with their services. From day one, the personal attention was beyond the call."
"I am very happy to write this recommendation on behalf of A. L. Saland Insurance Solutions. So thorough and patient when aiding new or returning clients with Medicare."
"I have been working with Les and April on my insurance needs for many years. They are always looking out for my best interest regarding policy and price, and I highly recommend their agency to EVERYONE that I know."
"Les and his team have assisted me and my family with our auto, homeowners, motorcycle & business insurance for many years. They are ALWAYS available for their clients and go beyond to keep in contact and updated with our current policies especially while they are enforced. "
Melody Davis – Land O Lakes Travel
"In working with A. L. Saland Insurance Solutions have been such a pleasure. They helped us find the right Medicare insurance for our needs. Professionals with Integrity we are very happy! "
"Working with April and Les for our insurance needs has made my life so much easier. Les went over everything about our business to make sure we were being covered properly. They stay in constant contact to make sure they are doing all they can do for you. I could not ask for better people to look out for us!!! Thank you A. L. Saland Insurance Solutions, You and YOUR TEAM have given me the peace of mind that I was looking for!!!"
Kathleen Simington – Elder Assistance
"I have known April and Les Saland personally and professional for many years. They have always taken good care of my health insurance needs and I truly believe they have my best interests at heart. I would recommend to anyone who is looking for changes to their insurance needs to give the folks over at A. L. Saland Insurance Solutions a call. They will take good care of you."
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Ed & Lana Marsicano
"The TEAM at A. L. Saland Insurance Solutions has ALL of our insurance needs at their agency. Our business, fleet, homeowner, auto & health insurance. I have been with them for over 10 years and would NOT go to another agency for any reason. They not only keep in contact with us but they are keeping in contact with us throughout the year for ALL of our needs. I would highly recommend to everyone to call them today for your needs."
Pat Norton – Founder / Florida Exotic Bird Sanctuary
"Our experience with A. L. Saland Insurance Solutions has been first class. Les and his Team have been our insurance agents for both personal and Business needs for over 5 years. During that time we have received great advice and excellent service from people we feel connected to and are available to us whenever we need them."
Jude Mulhern – Marizipan/Owner