Choose Your Health Insurance Now, Time is Running Out – Open Enrollment Closes Jan. 31
By Health First // January 15, 2017
put together a plan that works for you
HEALTH INSURANCE FOR INDIVIDUALS & FAMILIES
You have a lot on your mind and finding health insurance for you or your family may not be at the top of your list of things to do. Health First is here to help you put together a plan that works for you.
Want to start saving right away? We have plans featuring affordable copays you get to enjoy—even before you meet your deductible.
CLICK HERE NOW TO ENROLL
Want to spend less on your monthly premiums? Choose a plan with a coinsurance and a deductible you’re comfortable with to keep your monthly premium where you want it.
We can answer your questions and together we can pick a plan. Our benefits include:
• Prescription coverage
• In-network preventive services with no cost sharing
• Pediatric dental benefits with no cost sharing
As a Health First member, you don’t just have quality, affordable health insurance; you have coverage you can use every day—with help everywhere you turn.
Tools for a healthier you, plans that include:
• Gym membership
• Identity protection
• Low copays
• Out-of-network coverage
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Expanded provider network. Over 4,000 providers, including the Health First and Florida Hospital families of premier hospitals and physicians, including:
• Health First’s Cape Canaveral Hospital in Cocoa Beach
• Health First’s Holmes Regional Medical Center in Melbourne
• Health First’s Palm Bay Hospital in Palm Bay
• Health First’s Viera Hospital in Viera
• Indian River Medical Center in Vero Beach
• Sebastian River Medical Center in Sebastian
• Florida Hospital facilities and providers in Volusia, Flagler, Orange, Osceola, and Seminole Counties
Can I afford health insurance? Most people want to have health insurance, but think they simply can’t afford it. And they worry about paying a penalty if they don’t buy insurance.
One of the features of the Affordable Care Act is financial assistance to help make insurance more affordable for people who earn up to 400 percent of the Federal Poverty Level (FPL).
You may also qualify for tax credits if you have an employer-sponsored plan and the cost for employee only coverage is more than 9.5 percent of your income. Our expert sales representatives can help you find out if you qualify for financial assistance.
What is the Marketplace?
The Marketplace is an online tool that makes it easier for people to compare and buy health insurance policies.
Some people also call it the Exchange. You can visit the Marketplace at HealthCare.gov to see what health plans are available in your area, find out if you’re eligible for financial help to pay for your plan, find out how much each plan costs, and buy an insurance policy.
Who can enroll?
While the Affordable Care Act brings new requirements, it also makes it easier for more people to get coverage.
Now insurance companies cannot refuse to sell someone a plan or charge more because he or she recently had a medical condition, or has one now. (This is also called a pre-existing condition.)
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When may I enroll?
You can enroll in a new plan from November 1 to December 15, 2016 and your coverage will be effective on January 1, 2017. You can also enroll between December 16, 2016, and January 31, 2017, and your coverage would begin the first or second month after your enrollment information is submitted and approved.
There are also other special circumstances that may allow you to enroll other times during the year, for example:
• Losing coverage through your employer plan or another policy
• Gaining or becoming a dependent through marriage, birth, or adoption
• Moving out of the service area
• Gaining or losing eligibility for financial assistance
Enrolling directly with us is fast and easy!
• Compare plans and get a quote
• See if you qualify for Marketplace financial assistance
• Enroll in Marketplace and non-Marketplace plans
36194-77150_MPINFO119 (10/2016) *Fitness center amenities vary by location. If an out-of-network provider charges more than the plan’s maximum allowable amount, the member may be responsible for paying the difference. Exclusions and limitations may apply. For more information, contact your agent or your local Health First Health Plans office. Health First Health Plans has entered into an agreement with CMS to provide health insurance coverage through Qualified Health Plans on the Federally Facilitated Marketplace.
Health First Commercial Plans, Inc. and Health First Insurance, Inc. are both doing business under the name of Health First Health Plans. Health First Health Plans does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the administration of the plan, including enrollment and benefit determinations.
Health First Health Plans complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: si habla español, tiene a su disposición servicios
gratuitos de asistencia lingüística. Llame al 1-855-443-4735 (TTY: 1-800-955-8771). ATANSYON: Si w pale Kreyòl Ayisyen, gen sèvis èd pou lang ki disponib gratis pou ou. Rele 1-855-443-4735 (TTY: 1-800-955-8771).