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Florida always used to oppose the health reforms. But, once the reforms were put into practice, the number of uninsured persons will come down due to the low costs of the premiums for the health insurance plans-Florida and also due to the reduction in the healthcare costs. It's obvious that with the introduction of Affordability Act, there are number of people have been benefitted whether they can afford it or not, given the option that there are many plans offered by government where residents can gain advantage.
When the Affordability Act is implemented:
1.Over 4 million uninsured residents will own low income health plans.
2.Around 1.1 million residents will acquire group insurance at work.
3.2.5 million residents will get tax credits to purchase health plans affordable by them.
4.The costs of the drugs for the senior citizens will be reduced to half.
5.Small business firms in Florida will be provided with tax credits when they offer health coverage to their employees.
The Act has already been in the process of implementation. But, the residents will enjoy its fruits only by the next year. From 2011, the dynamics of purchasing low income health insurance Florida will change.
The benefits enjoyed by the 18.3 million residents of Florida are:
a)The residents are saved from paying their own money for huge medical bills and the insurers cannot place lifetime/annual limits to them.
b)A limit including the premium and co-pays will be laid for the money which the residents spend from his pocket for medical bills.
c)$351 million Federal dollars will be added to the high risk pool with pre-existing conditions to enable the adults to get access to affordable health insurance Florida.
d)Preventive services such as flu vaccines and breast cancer screening would be free-of-cost.
e)for encouraging prevention and wellness benefits, the state of Florida will invest in a public health fund and the residents buying the low income health insurance Florida need not pay extra cost to enjoy thses benefits.
f)If any dispute arises regarding the claim, an appeal process will be developed.
g)In cases of emergency or when in Florida wants to consult ob-gyn,no prior authorization will be required.
The benefits for the senior citizens are:
a)Through a temporary federal funding of $5 billion, around 280,000 eary retirees in Florida will get access to low income health insurance Florida.
b)A one-time rebate of $250 will be given for the 271,000 beneficiaries who have hit the donut hole.
The benefits enjoyed by the children in Florida under the Affordability Act are:
a)Children with pre-existing health condition,, irrespective of their health status will be given coverage.
b)Around 86,3000 young adults who are studying or looking for work will be benefited from this Act, as they could say in their parents' health plans Florida, till they turn 26.
The Floridans who live in un-served aras and fall within the ambit of low-income bracket will get the benefits as:
a)To serve more people, more funding will be provided to Community Health Centers and National Health Service Corps.
b)Irrespective of the people's age, health or family status, or the ability to pay, people will be encompassed under the program by relaxing the medical aids.
*Buy health insurance in Florida
Many companies has come forward with low income health insurance plans to provide medical aids at low cost to the residents of Florida, But, one has to choose the plan pertaining to his requirement and budget, among the flood of number of plans.
**Some tips while buying health insurance Florida include:
Analyzing a suitable plan: : If you do a small online search, you will get the details of different kinds of plans available in the market. But, before selecting one, questions regarding premium and coverage must be asked. One can get the idea about his current plan and what he needs from the new plan he is going to choose.
Making extensive search: Both online and offline searches will help to find out the suitable options. Local brokers and health insurance agents will also help in finding out the information about various palns and their premiums. One can also chose a health insurance on his own without the help of an agent.
Patients having pre-existing conditions: Some health insurance plans- Florida accept the pre-existing conditions and those with pre-existing conditions can also avail them with the help of the health insurance agents or the local brokers.