Check Reviews
Look for reviews of the agency or the agent. See if the agent has an active established profile/website.

Unbiased Recommendations
Agents who are willing to educate you and not rush you into buying a health care plan.

There are various opportunities that you should look out for in order to enroll in a health insurance plan

Open Enrollment Period (OEP): This is the yearly period when individuals and families can enroll for a health insurance plan. No questions asked. This usually runs from November 1 to December 15 annually. However, in 2021, the open enrollment period has been extended. This unique opportunity will run until May 15, 2021.

Special Enrollment Period (SEP): When you experience a qualifying life event, it allows you to sign up for health insurance outside of the open enrollment period. Life events such as marriage, having a new baby, moving to another state, involuntarily losing other health insurance coverage, etc. makes you eligible for a special enrollment period. You have 60 days from the life event to make that change. (Documentation may be required to confirm your special circumstance)

Medicare Initial Enrollment Period: When you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. If you’re eligible for Medicare when you turn 65, you can sign up during the 7- month period that: Begins 3 months before the month you turn 65. Includes the month you turn 65.

Open Enrollment Period: From October 15 – December 7 each year, you can join, switch, or drop a plan. Your coverage will begin on January 1 (as long as the plan gets your request by December 7).

Medicare Advantage Open Enrollment Period: From January 1 – March 31 each year, if you’re enrolled in a Medicare Advantage Plan, you can switch to a different Medicare Advantage Plan or switch to Original Medicare (and join a separate Medicare drug plan) once during this time. See page 67 for more information.

Total cost of the plan: In addition to your monthly premium, consider your out-of-pocket costs such as out of pocket max, deductible (if applicable), copays, and coinsurance when looking at health insurance plan costs.

Prescription drug coverage: Check if the plan covers your prescription drugs. If suffering from a medical condition, make sure your plan covers those medications.

Extra perks and benefits: Apart from medical coverage and drug coverage, many plans offer additional perks and benefits that can help improve your health or save money. Examples would include; access to health coaches, gym memberships and health and wellness rewards.

Florida Blue has more than 7.7 million enrolled health care members and has been serving Florida residents for more than 70 years. Also recognized as Blue Cross and Blue Shield, they are well known for great value, successful claims processing and exceptional customer service.

To qualify: You must buy your health insurance from the federal or a state or marketplace. In general, individuals and families may be eligible for APTC if their household income for the year is at least 100 percent but no more than 400 percent of the FPL for their household size. If Married, you must file jointly.

Check Reviews
Look for reviews of the agency or the agent. See if the agent has an active established profile/website.

Unbiased Recommendations
Agents who are willing to educate you and not rush you into buying a health care plan.

There are various opportunities that you should look out for in order to enroll in a health insurance plan

Open Enrollment Period (OEP): This is the yearly period when individuals and families can enroll for a health insurance plan. No questions asked. This usually runs from November 1 to December 15 annually. However, in 2021, the open enrollment period has been extended. This unique opportunity will run until May 15, 2021.

Special Enrollment Period (SEP): When you experience a qualifying life event, it allows you to sign up for health insurance outside of the open enrollment period. Life events such as marriage, having a new baby, moving to another state, involuntarily losing other health insurance coverage, etc. makes you eligible for a special enrollment period. You have 60 days from the life event to make that change. (Documentation may be required to confirm your special circumstance)

Medicare Initial Enrollment Period: When you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. If you’re eligible for Medicare when you turn 65, you can sign up during the 7- month period that: Begins 3 months before the month you turn 65. Includes the month you turn 65.

Open Enrollment Period: From October 15 – December 7 each year, you can join, switch, or drop a plan. Your coverage will begin on January 1 (as long as the plan gets your request by December 7).

Medicare Advantage Open Enrollment Period: From January 1 – March 31 each year, if you’re enrolled in a Medicare Advantage Plan, you can switch to a different Medicare Advantage Plan or switch to Original Medicare (and join a separate Medicare drug plan) once during this time. See page 67 for more information.

Total cost of the plan: In addition to your monthly premium, consider your out-of-pocket costs such as out of pocket max, deductible (if applicable), copays, and coinsurance when looking at health insurance plan costs.

Prescription drug coverage: Check if the plan covers your prescription drugs. If suffering from a medical condition, make sure your plan covers those medications.

Extra perks and benefits: Apart from medical coverage and drug coverage, many plans offer additional perks and benefits that can help improve your health or save money. Examples would include; access to health coaches, gym memberships and health and wellness rewards.

Florida Blue has more than 7.7 million enrolled health care members and has been serving Florida residents for more than 70 years. Also recognized as Blue Cross and Blue Shield, they are well known for great value, successful claims processing and exceptional customer service.

To qualify: You must buy your health insurance from the federal or a state or marketplace. In general, individuals and families may be eligible for APTC if their household income for the year is at least 100 percent but no more than 400 percent of the FPL for their household size. If Married, you must file jointly.