Long Term Care Insurance Florida

E Policy Review: Long Term Care Insurance in Florida & Beyond

Welcome to E Policy Review, your trusted partner in safeguarding your financial future. When it comes to long term care insurance in Florida, we bring unparalleled expertise and experience to help you make informed decisions. We understand that planning for the potential need for long-term care is not just a matter of numbers; it’s about ensuring peace of mind for you and your loved ones.

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Why Long Term Care Insurance in Florida?

The sunny state of Florida, with its inviting beaches and robust communities, is a popular destination for retirees. However, as with anywhere, residents may eventually face health challenges that require specialized care. It’s crucial to be prepared.

Did you know?

  • Over 70% of people over 65 will require some type of long-term care in their lifetime.
  • The average cost of a private room in a nursing home in Florida can exceed $100,000 annually.
  • Home health care and assisted living facilities also come with substantial costs.

Long term care insurance Florida is designed to cover these extensive costs that are not typically covered by standard health insurance or Medicare. From in-home care, assisted living, adult daycare, respite care, hospice care, to nursing homes, the right policy can help cover these costs without draining your savings.

Why Choose E Policy Review for Your Long-Term Care Needs?

Expertise: With years of experience in the insurance industry, our team possesses in-depth knowledge of Florida’s long-term care insurance landscape.
Custom Solutions: We don’t believe in one-size-fits-all. Our advisors work closely with you to identify a plan tailored to your unique needs and financial situation.
Comprehensive Coverage: Our partnership with leading insurance providers ensures that you get the best coverage options available in the market.
Transparent Approach: With E Policy Review, there are no hidden fees or surprises. We provide you with clear and concise information to make an informed decision.

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Beyond Long-Term Care Insurance

At E Policy Review, our commitment to safeguarding your financial well-being doesn’t stop at long term care insurance Florida. We pride ourselves on being a full-service brokerage, offering a range of insurance solutions:

Employee Benefits

Ensure your employees are well taken care of with our comprehensive benefit packages that can be tailored to fit any business size or need.

Disability Insurance

Protect your income and financial security in case of unexpected illness or injury that prevents you from working.

Life Insurance

Secure the financial future of your loved ones with a policy that ensures they are taken care of, no matter what.

Individual Health Insurance

Navigate the complex world of health insurance with our expert guidance to find a plan that provides the coverage you need without breaking the bank

Annuities

Invest in your future with annuities that offer guaranteed income, ensuring you have financial stability in your retirement years.

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Start Your Journey with E Policy Review

Embarking on the journey to secure your future might seem daunting, but with E Policy Review by your side, you’re not alone. Our dedicated team is committed to guiding you every step of the way, ensuring you have the coverage that best fits your needs.
Ready to get started? Contact us today for a no-obligation consultation. Secure your peace of mind and your financial future with E Policy Review.

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65 & Up Health Insurance

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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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.

our client testimonials

I can't recommend E Policy Review enough for their exceptional life insurance and employee benefits services. As a small business owner, I was looking for a comprehensive package to offer my employees, and E Policy Review delivered beyond my expectations. Charles guided me through the entire process, helping me choose the right policies that perfectly fit our company's needs and budget.
Chad B
Chad B
The entire process was smooth and efficient, with their team providing constant support and timely updates. Doug truly cares about his clients' well-being and goes above and beyond to provide personalized solutions. Thanks to Doug and the team for getting me hooked up!
Lisa M
Lisa M
As a family looking for life insurance options and employee benefits, we were fortunate to come across E Policy Review. Their team's responsiveness and knowledge impressed us right from the start. Def make sure to reach out!
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