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El Paso Texas Insurance Agent Flor & Associates Insurance

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health

Reasons You Want To Take Advantage of Open Enrollment

October 26, 2018 By Flor Caballero Lynch

calculator-1044173_960_720With Open Enrollment coming up, it is important to look at your personal situation and think about if there is anything that you would like to change with your health insurance. Things that you should take into consideration would be if you like your current provider, if you want to change the type of plan you have due to cost, or if you don’t have health insurance at all and need to get it!

Just like in past years, if you don’t have employer provided health insurance and you are over the age of 26, you cannot be on your parent’s plan anymore. But unlike in 2018, going forward from 2019 and onward, there will no longer be a penalty unless the state you reside in mandates a penalty for not having health insurance.

If you are not happy with your provider you can shop around for another during this Open Enrollment period, and if you want to change the type of plan you have you can do so during this time as well! If you have a specific doctor that you want to go to, but is not within your network, you can find which provider has them in-network and sign-up with them. Or if you just want to switch to try something else out you can as well, no problem!

There are exceptions to this Open Enrollment period, with life changing events you can insurance-1991276_960_720change your plan to better suit you. If you have a child, get married, or lose your coverage you can change or enroll in a different plan for 60 days following the event. But otherwise you will have from November 1st to December 15th, 2018 to make any changes—and remember any changes made during Open Enrollment start on January 1st, 2019, so get ready and plan accordingly!

Filed Under: Health Insurance, Insurance Tagged With: health, health insurance, insurance, insurance coverage, open enrollment

Why Is Health Insurance Important?

October 19, 2018 By Flor Caballero Lynch

runners-635906_960_720Health insurance is a very important component of any person’s safety net. Without sufficient health insurance, you can find yourself in a rough situation medically, made worse by a giant medical bill out of left-field! And if you have children this becomes especially important since their health is of the upmost importance.

When I was a kid in kindergarten, I remember my whole class went to the nurse and we did a little check-up to make sure we were in good health. When I was doing the eye test, my school nurse found out I could not see out of my right eye, which was effectively blind (I remember thought I had X-Ray vision in my right eye since everything was blurry out of that eye when I was a kid!) and losing vision in my left.

When my mom got the call from the nurse to tell her I was going blind she was getting her PhD— and had absolutely no insurance. So, she dropped out of her PhD program and found a job that had a good health insurance plan so she could take me to a specialist, which she did and the specialist ended up saving my vision. Another kicker to this is we also found out my little brother had the same issues during my check-ups and ended up saving his vision as well!black-and-white-915782_960_720

With this memory of mine, I cannot stress how much it helped me at a very young age, and I am thankful that something like this exists— otherwise I might not be here typing this today. Do not let yourself go without or have insufficient coverage, because you will never regret having it when you truly need it.

Filed Under: Health Insurance, Insurance Tagged With: health, health insurance, insurance, insurance coverage, open enrollment

HMO, PPO, and EPO. What Do They Mean?

October 12, 2018 By Flor Caballero Lynch

health-2082630_960_720You’re most likely looking at these acronyms thinking, “What.”, and wondering what do they all mean? Well, each of these acronyms are different types of health insurance plans that have different features, and it’s up to you to decide which one best suits you!

HMO stands for Health Maintenance Organization, and these types of plans usually have cheaper monthly premiums and lower cost-sharing than other types of plans, but this comes at a disadvantage since you must get primary care provider referrals to see a specialist (Known as PCP referrals) which means you have to get a referral from your regular doctor to see a specialist, and these plans usually won’t pay if you go outside their network of preferred doctors.

PPO stands for Preferred Provider Organization and are called this because they have a network of doctors that they “prefer” you to use— but you can still go to a doctor that is outside their network if you want. Due to this freedom in your choice of doctor, you will face a higher premium than an HMO or EPO in comparison, but some find this preferable to the other plans. A lot of times you would get this type of coverage through an employer, but it is possible to get it as an individual as well!

EPO stands for Exclusive Provider Organization, and these are somewhat of a hybrid of an HMO and a PPO. With an EPO you have to stay within an “exclusive” list of doctors to use, and if you use an out-of-network doctor you won’t be covered at all. But there is an upside to this type of plan, as you do not have to see a primary care physician to go to a specialist (But the specialist has to be in-network!), and you do save money in comparison to a PPO.

family-2073604_960_720When making your decision, just decide what you think is best for you and your family, and which features are most important to you—just take your pick!

Filed Under: Health Insurance, Insurance Tagged With: epo, health, health insurance, hmo, insurance, insurance coverage, open enrollment, ppo

What Will You Need When Applying for Health Insurance

October 5, 2018 By Flor Caballero Lynch

If you want to make the process of getting health insurance easier for you, then look no further! In this weekly installment I will give you a rundown on what information you should bring, this way you’ll save time and you won’t hate the process as much as other folks have in the past!

calendar-660670_960_720With Open Enrollment just around the corner on November 1st (Ends on December 15th!), it is important to get everything you will need ready so you can make it a quick and painless process. You will need the typical information such as your name, address, social security number, and birthdate— but you’ll also need all that information for anyone that will have coverage under your plan as well!

You’ll also have to bring employer and income information for everyone in your household— so W-2 forms and pay stubs would be good examples of what to have. You will also need to estimate the amount of income you anticipate for 2019 as well,  and you can use your pay statements and W-2s to figure this information out, kill two birds with one stone! obama-1301891_960_720

Another piece of information will need to bring would be your current health plan for you and any other plans that apply to anyone you are going to provide coverage for. So round up all of this information, put it into a manila folder, and show it to your insurance agent so you can get in and out quicker than you can say “Health Insurance”! (In reality it won’t be that quick, but you know what I mean!)

Filed Under: Health Insurance, Insurance Tagged With: epo, health, health insurance, hmo, insurance, open enrollment, ppo

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Think Insurance, Think Flor

4420 N. Mesa St
El Paso, TX 79902

(915) 996-9799
FAX: 1-866-514-3064

flor@florinsurance.com
www.florinsurance.com

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