Health/Medicare Insurance in Florida
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.
Doctor's Visits Are Expensive
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.
Prescriptions Are Expensive
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.
There Are Financial Penalties If You Don't Have Health Insurance
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.