Florida Long Term Care Insurance

Florida Florida Long Term Care Insurance With E Policy Review

Welcome to E Policy Review – Florida’s premier insurance brokerage firm. Our dedication to serving the needs of the Sunshine State’s residents is unparalleled, especially when it comes to understanding and obtaining the most suitable Florida long term care insurance. As life expectancy continues to rise, more and more Floridians are seeking ways to ensure they receive quality care in their golden years. Let’s delve into why long-term care insurance in Florida is an essential component of your comprehensive financial planning.

What is Long-Term Care Insurance In Florida?

Long-term care insurance is designed to cover the costs of services and support that individuals may need over an extended period. Whether it’s assistance with daily activities like bathing, dressing, or more specialized medical care, long-term care insurance ensures you’re well-taken care of without depleting your savings.

Why is it crucial for Floridians?

Florida has a growing elderly population, making the demand for long-term care services higher than ever. As healthcare costs rise, having a robust long-term care insurance policy can shield you and your loved ones from unforeseen financial strains.

E Policy Review’s Approach to Long-Term Care Insurance

Personalized Consultations: We understand everyone’s needs are unique. That’s why we offer one-on-one consultations to provide tailored advice and find the perfect policy for you.
Comprehensive Coverage Options: From home care to facility-based care, our range of long-term care insurance policies ensure you get the care you need, where you need it.
Affordable Premiums: With relationships with top-rated insurance providers, we’re able to offer competitive rates without compromising on coverage.

Our Spectrum of Insurance Services

While we pride ourselves on being experts in long-term care insurance, E Policy Review offers a comprehensive suite of insurance products tailored to meet the diverse needs of our clients. Here’s a brief overview of our services:

Employee Benefits

Attract and retain top talent with our bespoke employee benefit solutions. We assist businesses in creating competitive and comprehensive benefit packages that keep their employees happy and healthy.

Disability Insurance

Life is unpredictable. Disability insurance protects your income in case an illness or injury prevents you from working, ensuring peace of mind for you and your family.

Life Insurance

Secure the financial future of your loved ones. Our life insurance policies are designed to provide your family with financial support in the unfortunate event of your passing.

Individual Health Insurance

Health is wealth. Whether you’re self-employed, in between jobs, or need a more personalized health plan, we offer individual health insurance policies that prioritize your well-being.

Annuities

Looking for guaranteed income in retirement? Annuities can be an essential part of your retirement planning. Let us guide you through the options available to create a stable financial future.

Florida Long Term Care Insurance

As highlighted, this ensures you receive quality care without financial worries in your later years.

Why Choose E Policy Review?

Expertise: With years of experience in the insurance industry, we bring unmatched knowledge and expertise to the table.
Client-Centric: We prioritize your needs. From the initial consultation to policy maintenance, our focus remains on providing value and unparalleled support.
Holistic Solutions: Our diverse range of insurance products means we can offer holistic solutions, ensuring all aspects of your life are well-covered.


In the ever-changing landscape of insurance, you need a trusted partner to navigate the complexities and ensure you’re adequately covered. E Policy Review stands as that steadfast partner for Floridians, always putting your needs at the forefront.


Ready to secure your future? Contact E Policy Review today and let us guide you through the world of Florida long term care insurance with expertise and care. Because at E Policy Review, your peace of mind is our priority.

Featured Carriers

In September 2022, Medicare enrollment in Florida was 4,898,260, about 22% of the state’s population, compared to 19% nationally. Eligibility is at age 65 or due to disability. Around 10% of Florida’s beneficiaries are disabled, while 90% are 65+.
Medicare offers options like Advantage plans from private insurers or Original Medicare from the government, with coverage including hospital stays (Part A) and outpatient care (Part B). Medicare Advantage combines coverage with extras like dental and vision.
Enrollment periods include a fall window (Oct 15 – Dec 7) and an open enrollment period (Jan 1 – Mar 31) for changes. In fall 2022, over 53% of Florida’s Medicare beneficiaries chose private plans, mostly Medicare Advantage. Florida has a notable 46% nationwide enrollment in Advantage, led by Humana with 31% market share in 2022. (See Table Below)
Medigap Plans in Florida Medigap plans supplement Original Medicare, covering out-of-pocket costs like coinsurance and deductibles. The Florida Office of Insurance Regulation (FLOIR) offers a user-friendly website for comparing Medigap plan premiums by county. In 2020, around 913,759 Florida Medicare beneficiaries had Medigap coverage, though this number had decreased from the previous year due to the rise of Medicare Advantage enrollment.
Medigap Coverage in Florida for Those Under 65 Federal rules standardized Medigap plans and provide a six-month guaranteed-issue window for those turning 65 and enrolling in Original Medicare. Florida allows a similar window for residents under 65, starting from Medicare Part B enrollment. While premiums are higher for those under 65, they can switch to lower-cost plans at age 65.
Medicare Part D in Florida Original Medicare lacks prescription drug coverage, but beneficiaries can get it through Medicare Advantage, employer plans, or stand-alone Medicare Part D plans.
As of September 2022, about 1.4 million Floridians were in stand-alone Part D plans, and nearly 2.5 million had Part D integrated with Advantage plans. Stand-alone Part D enrollment dropped as Advantage plan enrollment rose.
2023 Part D Plans in Florida There are 23 stand-alone Part D plans in Florida for 2023, with premiums ranging from $8 to $170 per month. Enrollment occurs during the fall window (October 15 – December 7), also used for Medicare Advantage plans.

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Featured Carriers

frequently asked questions

The Florida Health Insurance Marketplace, also known as the Health Insurance Exchange, is an online platform where residents of Florida can shop for and purchase health insurance plans. It was established as part of the Affordable Care Act (ACA) to provide individuals and families with access to affordable health coverage.
The Open Enrollment period typically runs from November 1st to December 15th. During this time, you can enroll in a new health insurance plan, renew your existing plan, or make changes to your coverage. It’s important to enroll during this period to ensure your coverage starts on January 1st of the following year.
You may qualify for a Special Enrollment Period (SEP) if you experience certain life events such as getting married, having a child, losing other health coverage, moving to a new area, or experiencing other qualifying circumstances. SEPs allow you to enroll in or change your plan outside of the standard Open Enrollment period.
The Florida Marketplace offers different levels of health insurance plans: Bronze, Silver, Gold, and Platinum. These plans vary in terms of cost-sharing and coverage. Bronze plans have lower premiums but higher out-of-pocket costs, while Platinum plans have higher premiums but lower out-of-pocket costs.
Yes, financial assistance in the form of Premium Tax Credits and Cost-Sharing Reductions is available for eligible individuals and families. These subsidies can help reduce monthly premium costs and lower out-of-pocket expenses like deductibles and copays.
You can use the Florida Marketplace’s online tools to calculate your eligibility for financial assistance. The calculation takes into account factors such as your household size, income, and location.
Medicaid is a government health insurance program for low-income individuals and families. As of my last update in September 2021, Florida had not expanded Medicaid under the ACA. However, policies and regulations can change, so it’s recommended to check for the most up-to-date information.
You can apply for health insurance through the Florida Marketplace by visiting the official website (HealthCare.gov) during the Open Enrollment period or a Special Enrollment Period. The website guides you through the application process and helps you find the best plan for your needs.
Yes, the Florida Marketplace has certified enrollment counselors, navigators, and agents/brokers who can provide in-person assistance. They can help you understand your options, complete your application, and select the right plan.
If you miss the Open Enrollment period and don’t qualify for a Special Enrollment Period, you may have to wait until the next Open Enrollment period to apply for coverage. In the meantime, you might consider short-term health insurance or other options to bridge the gap.

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