Health Insurance FAQ

Answers to South Florida Health Insurance Questions

Absolute Best Insurance agency in Boca Raton, Greenacres and Port St. Lucie has been successfully meeting the needs of our clients in South Florida for the last 20 years. We specialize in health insurance, Obamacare, life insurance, Medicare plans & more. We work with you to create an individualized solution. Our team is here to help our clients ask the right questions, identify their specific insurance needs, and voice their concerns so we can best meet them.

Here are answers to the most popular questions our health insurance agency receives:

What is a Medicare Advantage Plan?

Medicare Advantage plans are popular among Medicare beneficiaries. They often offer affordable premiums and additional benefits. There are several types of Medicare Advantage plans such as: Medicare Advantage Plans with Prescription Drug Coverage (MAPDs), Chronic Medicare Advantage Plans (C-SNPs), and Dual Medicare Advantage Plans (D-SNPs).

What Does An HMO Insurance Plan Cover?

A Health Maintenance Organization plan stipulates you must select a primary care physician (PCP), who becomes your main point of contact for all health-related issues. It provides coverage for preventive care, medical treatments, and specialty care.

What is the difference between ACA Insurance and Obamacare?

Nothing! Obamacare is just another name for ACA (Affordable Care Act) insurance. It is designed to allow those with lower incomes and preexisting conditions to receive affordable healthcare for themselves and their families.

Who Is Eligible For ACA Insurance?

The Affordable Care Act provides tax credits based on a progressive scale. Individuals earning between 100% and 400% of the Federal Poverty Level (FPL) are generally eligible for certain types of financial assistance. In states where Medicaid coverage has been expanded, individuals with incomes below 138% of the FPL may be eligible for Medicaid based on their earnings. While subsidies are not guaranteed for those with incomes below the FPL, they have a higher likelihood of qualifying for Medicaid.

Medicare Supplement Insurance Plans

Medicare Supplement Insurance Plans, also known as Medigap Policies, help to fill in the gaps left behind by Original Medicare Part A & Part B.

What Does Medicare Part A Cover?

Medicare Part A is also known as hospital insurance. It covers inpatient care in hospitals, skilled nursing facilities, hospice care, and home health care.

What Does A PPO Insurance Plan Cover?

A Preferred Provider Organization plan is a type of health insurance that allows members to visit any healthcare provider they choose, whether in-network or out-of-network.