BuyLifeInsurance.Miami understands that figuring out what type of health insurance to buy for yourself is a daunting task. We are here to help you make sense of it all so you can have piece of mind knowing you have the best health insurance plan for your situation at the best price.
Our experience shows us that the most expensive health insurance plan isn’t always the best. As a matter of fact, many times we can increase our clients comprehensive coverage AND reduce their monthly expenses.
Contact Us Now To Find Health Insurance Plans NOT Part of Obamacare. Better Coverage – Less Expensive!
We believe that purchasing health insurance coverage shouldn’t be done out of fear of penalization and instead should be purchased to provide superior coverage IF you have a medical condition that demands care.
The Affordable Care Act (Obamacare) can provide needed coverage to those with preexisting conditions and those who receive generous tax credits to offset a plans cost. However, for the healthy individuals who don’t qualify for credits to pay these premiums, we consider off-exchange complete insurance plans that will provide superior financial benefits at a fraction of the cost.
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These benefits can include:
- Lower out of pocket expenses for Doctor visits and basic medical services
- Access to a larger network of the best physicians in the country not just in your state.
- Cash paid directly to you for living and travel expenses IF you experience a medical issue.
- More money in your pocket to do what you want to IF you remain healthy.
We shop many of the A-rated health insurance carriers in the US and help you make sense of it all. There are several different health insurance options that you can choose from. Here is description of some of the differences:
Fee-for-Service is a kind of health plan that pays the medical professional for services provided to the patient. Patients can choose their own doctor, and the claims are either filed by the patient or the health care provider.
Health Maintenance Organizations (HMO) require that all your health care services go through your primary care provider. To see a specialist or other health care provider, you will need a referral. This approach is designed to result in less paperwork and lower health care expenses.
Preferred Provider Organizations (PPO) offer more flexibility. You aren’t required to have a primary care provider and you can go to any health care provider that you choose as long as they are in your network, so you will have lower out-of-pocket expenses.
We take a lot of pride in what we do because we have experienced first hand what the best coverage can do for someone.