Full Coverage insurance
for people who reside in the United States
We offer the ideal insurance :
complete, with no spending limits and covering pre-existing conditions for you and your family.
And the best part is that it fits in your pocket!!
What is ObamaCare?
Unlike what many think, Obamacare is not a government offered health insurance. It is a nickname given to a law (ACA – Affordable Care Act) which regulates full coverage health insurance in the US.
This law requires that the insurance companies provide one free annual checkup, that they cover illnesses – even pre-existing ones, that it covers emergencies, surgeries, maternity care, amongst other health needs without limit of coverage.
Accessible health options to all
Individual and Family Insurance
Accessible health options to all
Annual enrollment period
How does Health Insurance work in the US?
Your health plan is a contract between you and the insurance company you choose. When you purchase a plan, the insurance company agrees in paying part of your health costs, which varies according to each specific plan. The plans offered by the Marketplace provide free preventive care, such as vaccines and the annual checkup. They also may cover a portion of prescription medicine.
How will Health Insurance help me with medical services?
Did you know the average cost of a three day hospital stay is US$ 30,000? Or that a broken leg might cost around US$ 7,500 to take care of? Having health insurance can help you protect yourself from unexpectedly high cost health bills like these. In the Summary of Benefits of your plan you will be able to check your coverage by type of care, treatments, services, as well as your costs versus the company’s costs.
How should I prepare?
Be sure to understand how your plan works – premiums, deductibles, out of pocket, copayments, and coinsurance. These terms will come in handy when picking and using your plan.
What are the types of coverage in Health Insurance?
Through the Marketplace you will be able to pick a plan with good balance between cost and coverage. By getting familiar with health terms and usage before using the plan, you should have no issues. Make a list of questions before picking your health plan. For example: “Can I keep going to Dr Jones?”, “Can I keep taking this medicine?”, or “Will I be covered when I travel?” It is ideal to ask questions before defining a plan.
When comparing Marketplace plans, have in mind they are divided into four categories and the category you fall under will change according to factors such as what you expect from the company, how much the company is willing to cover, and even your household setup. The categories are Silver, Bronze, Gold, and Platinum.
What will my expenses be with Health Insurance?
Usually you pay a monthly amount (premium) just to have coverage and access to your health plan. You might also have to pay a yearly deductible before the company starts sharing costs, depending on which plan you choose.
Besides that, you will also have a copayment for whenever you need to have a service done.
Deductible: Deductible: what you pay before the company starts sharing costs
Coinsurance e Copay: Coinsurance: what you pay after the company starts sharing costs. Copay: preset amounts you pay each time you need a certain service
Out of Pocket: Out of Pocket: the maximum amount you will pay during the year with all services combined, as long as you use in-network providers
Is everything included with the premium?
No. There is no full coverage health insurance in which you pay only a monthly premium and services are all free/included.
There will be other costs such as copay, coinsurance, deductible, out of pocket… Only after you reach your plan’s out of pocket the company will cover 100% of your services for the year, however you will still need to pay your monthly premium.
My friend has a family as big as mine, they live near me, but they pay considerably less. Why?
The premiums are calculated through a tool that takes into consideration age, gender, number of members in the family, zip code, county, and most importantly, estimated household annual income. Families with lower income receive more Tax Credit, and so their premiums are usually lower. Families with higher income receive less Tax Credit, and so their premiums are usually higher as well.
How do I pick the best plan for my family?
When comparing Marketplace plans, have in mind they are divided into four categories and the category you fall under will change according to factors such as what you expect from the company, how much the company is willing to cover, and even your household setup.
The categories are Silver, Bronze, Gold, and Platinum. Silver plans, for those who qualify, get “Extra Savings” meaning they have smaller copays and out of pockets. You may qualify if your household is under the poverty line by 200%. The category you choose will influence premium, copay, deductible, and out of pocket however it will not influence at all in the quality of care, quantity of service, or coverage limit.
Equilibrium between monthly premium and service costs
Like in any health plan, you will have a monthly premium. Usually the Gold and Platinum categories have higher premiums than Silver and Bronze, but their copays are smaller. In a Bronze plan you would have a cheaper premium than Gold or Platinum, put the copays would be bigger. In a Silver plan, if you qualify for Extra Savings, you would have smaller premiums and smaller copays.
In general when picking a plan think that if the premium is low, the copays will be high. If the premium is high, the copays will be low.
What is the best option for those who need many services, procedures, treatments, and drugs?
If you are going to need to use the plan a lot and do not qualify for a Silver category, it might be worth considering a Gold or Platinum plan. Their premium might be a bit more expensive, but their copays and out of pocket will be less than the Bronze plans
Evaluate your options
The majority of people who are eligible to get a Marketplace plan are also eligible to receive Tax Credit, a government incentive that makes premiums more affordable. This incentive is directly related to the family’s income tax and is calculated according to each household. To know how much Tax Credit you and your family could receive, please have the following ready:
- Social security of all members
- Date of birth
- Paycheck, W2, or 1040
- Information about health insurance you or your family might have been offered through work
Can I purchase Obamacare at any time?
Não, a aplicação para esse Seguro é feita anualmente em um período pré-determinado pelo governo federal. Você somente poderá aplicar para esse Seguro fora do período anual de inscrições se você tiver alguma mudança especial que tenha ocorrido há menos de 60 dias, tais como: nascimento de um filho, adoção, perda de seguro do trabalho, perda do Medicaid, mudança no status imigratório, mudança de um país estrangeiro para os Estados Unidos, entre outros. Contate-nos para mais informações.
I have a valid immigration status, but I do not have proof of income. Can I get Obamacare?
Yes. You can get Obamacare paying full price, so you would not need proof of income in this case. You can also provide a Self Employment Ledger in which you would claim and sign that you expect to have that income by the end of the year even though you do not have it at all the moment of your application. If you work for a company, you can provide a letter from the company or your last paystubs.
Why would I choose Obamacare over Short Term?
With an Obamacare insurance, the insurance companies cannot deny coverage or overcharge you based on a pre-existing condition, they cannot limit your coverage for services, they are mandated to cover preventive services, and so on
I already have Obamacare. When should I reapply?
O período de inscrição vai, via de regra, do dia 1 de novembro a 15 de janeiro. Quem não reaplicar, vai ficar com o mesmo plano do ano anterior. Ligue 407-502-0203 para mais informações. Durante o ano apenas pessoas que tiverem um SEP (Special Enrollment Period) poderão se inscrever. Estes SEPs são uma mudança do status imigratório, um casamento, perda de um seguro do trabalho ou estudantil, etc. Ligue 407-502-0203 para ver se você pode se inscrever.
How much is Obamacare?
Your estimated premium will vary according to a few factors, such as:
- Household setup
- Residential address
- Estimated household annual income
- Plan category and characteristics
What is the maximum age for a dependent on Obamacare
The maximum age for dependent children is 26 years.
What is Health Insurance Marketplace?
What should I do before consulting the Marketplace?
What should I do before consulting the Marketplace?
Before starting your Marketplace application you should gather as much information as possible, as complete and accurate as possible, and contact an agent/broker licensed by the State you live in, who will help you for free. By law, agents and brokers should provide free service, charging nothing of the client.
Insurances we offer
The perfect option for you!
Through this decade working with insurance we learned that every person must be treated as an individual and you are of the utmost importance to us. That is the reason we choose to offer a personalized service and are constantly searching to provide the most viable solutions.
This full coverage health insurance does not have a coverage limit and offers preventive care, care for pre-existing conditions, treatments, surgeries, hospital stay, emergency services, and maternity care.
This is a great option to those who are looking for accidents and emergencies coverage and/or are waiting for Obamacare’s Open Enrollment Period.
Accidents happen! Travel safely and lightly to wherever… With this insurance, your only worry will be how to pack your baggage.
With dental insurance it is easier to take care of your smile as well as your wallet.
We can help you understand what Medicare is, how to use it, and the best fit for your needs between the Advantage or Supplement plans.
Avoid headaches by purchasing a trusting Auto insurance. Based on your profile we will look for and find the most appropriate coverage and value in the market.
Investing in Life Insurance is investing in a more secure future to you and your family so you can be better prepared in case of hardship.
It does not matter how big or which type of company you have, we offer several options to protect your company and your employees.
Protecting your property is just as important as acquiring it. Count on us to care for what is yours.
The best way to guarantee a calm and stable retirement.
Medical and hospital emergencies may happen at any time and it can be hard to know what to do when you’re living abroad.
Seguro de Visão
Your sight should be a priority. Whether you are studying, driving, on a business venture, or ready to enjoy your retirement, your sight should be protected.
How to acquire insurance
We make it easy to get insurance
Contact us on (407) 502-0203 or follow the steps described to receive a personalized quote!
Get familiar with our options and fill your quote request
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We have the ideal insurance to protect you, your family, your business, your assets and your investments.
And the best, with the value that fits in your pocket
Assureline Insurance has been taking care of people for over 10 years. Always thinking about solving your health needs for you, your family and also for your company's employees.
We are always ready to give you the best service and a team ready to find the best options for you!
+1 (407) 502-0203
7751 Kingspointe Parkway Suite 105
Orlando FL 32819
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