Bob Nix Insurance Services

We offer supplemental plans to fill in the gaps in your Qualified Health Plan, or your Medicare Plan.  These plans can help pay deductibles and other cost sharing.

We also offer critical illness, terminal illness, cancer/heart attack/stroke, and hospital indemnity plans.

Dental and vision insurance is available through us, as well.

If you are under 65, you are not eligible for coverage by a group health plan, and you suffer from a preexisting condition and qualify for a Special Enrollment Period or during the Annual Enrollment Period, the Affordable Care Act Plans are your recommended choice. Other plans will not cover your preexisting condition, or complications caused by it, until after a stated waiting period, often year, or not at all. You cannot enroll in an individual Qualified Health Plan if your employer offers qualifying group coverage, or if your spouse's employer offers group coverage that is available to you.

However, without the individual mandate in place there is no longer a penalty for getting health insurance plans that do not comply with the Affordable Care Act mandates. You are now free to look at plans that do not cover preexisting conditions that may offer lower premiums. First, though, go to the government's official Affordable Care Act website, https://www.healthcare.gov/, to see if you are eligible for government premium tax credits that may make your Affordable Care Act plan significantly less expensive. 

In Florida short term health insurance plans are now able to offer coverage for as little as 30 days and as long as 360 days. The 360 day plans are now renewable each year for up to three years. After checking on your Affordable Care Act eligibility and costs, please check out  our short term health plan options as an alternative.

Our practice offers short term plans that provide you with flexible coverage options and proven claims paying histories.

AGING IN TO MEDICARE

When you turn age 65, you are eligible for Medicare. Most people who have worked for 40 quarters (10 years) and paid Medicare taxes during their employment will be automatically enrolled in Medicare Part A hospitalization insurance. You will be asked if you want Part B, and you will have to enroll if you want it. Part B covers the cost of physician visits, urgent care, clinics, outpatient tests ordered by your doctor, etc. Part B comes with a monthly premium that is automatically deducted from your Social Security retirement benefit check. Go to the official government website for full details: https://www.medicare.gov/

Part D Medicare prescription drug coverage is provided by private insurance companies. Please note that there are penalties for late enrollment in Medicare Parts B and D. 

If you remain covered by group insurance after age 65, do not assume that you do not have to enroll in Medicare Parts B and D. While most group insurance will coordinate benefits with Medicare Part A, that is not always the case, and benefits for medical coverage offered by Medicare Part B may or may not continue in your group plan. Prescription Drug Coverage in your group plan may not meet Medicare standards to allow it to substitute for Part D. Avoid possible late enrollment penalties and coverage gaps by talking with your company's benefits administrator.