Individual Health Care​

LTDT INSURANCE
SERVING SOUTHWEST FLORIDA FOR ALL YOUR NEEDS.

Market Place Coverage

Health Care in Florida has become a big issue.  With all the changes in the Health Reform laws, it is important that your agent has a full knowledge of the laws.  Here at LTDT Insurance, we keep up with all the changes. Whether you are looking for an off or on market place plan, we are here to find the best solution to your needs. 

We specialize in helping you find the right plan that best suits your needs.  

Individual Health Plans  

The first thing we will need to determine is:

  1. Are you eligible for a subsidy through the Market Place?
  2. If Yes, we will…
    1. guide you through the Market Place and apply for the government subsidy.
    1. see which plan is best for you.
    1. enroll in a plan for you and your family.  
  3. If No, you can choose a plan that is best suited for you and your family off the Market Place.  

You can visit us, call us, or screen share via a computer where you can see the entire process as we work on it together.  

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Here are the TOP 4 QUESTIONS about buying a 2020 health plan:

1- Do I still need to buy health insurance?

Yes. The Affordable Care Act is still the law of the land. You should purchase a 2020 plan to make sure you have coverage for wellness checkups, doctor visits, and hospital care. Remember, you’ll still pay a fee or penalty if you go without coverage.

2- Do I still need to buy health insurance?

Yes. Open Enrollment is yearly from November 1 through December 15. If you miss it, you may need to wait until 2021 to get coverage or make changes. However, if you feel that you qualify for a Special Enrollment, contact us. For 2020, you may have new health plan options available to you. Let LTDT Insurance help you find a plan that meets your needs and budget.

3- Will I still be able to see my regular doctor? How much will it cost me?

It depends. Who you see and how much you’ll pay really depends on the plan you choose. When considering your options, you should ask about the costs for visits, and which doctors, hospitals, and pharmacies are in the network.

4- Will I still be able to get financial assistance to help pay my monthly premium?

Yes. You can continue to get financial assistance based on the 2020 eligibility guidelines.  LTDT Insurance can help ensure your Marketplace application is up to date, so you can get the tax credit you qualify for and help lower your 2020 monthly payment.

Non Market Place Coverage

We are here to help you with your plans even if you do not qualify for a subsidy. There are many options that you have to lower your cost. Talk to one of our agents to find out more.

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