Insurance Doesn't Have to Be Complicated.
Let me show you how easy it can be!
Our Mission
We currently can assist in English, Spanish and Portuguese individuals and families in Florida, Georgia, South Carolina, Texas and Tennessee.
Health Insurance
We offer both Individual and family plans, on and off the ACA health insurance marketplace (Obama Care). We also offer some of the lowest prices for business group, employees, and health insurance plans for businesses with more than 7 covered full time employees.
Dental
Our dental plan is called Delta Dental, we offer individual and family plans.
Life Insurance
Protect your family, We can set up Life insurance (term, IUL, whole life) with some of the best “A” rated companies, such as American National, American Equity and National Life Group. We also have excellent Tax free life savings plans, and lifetime income annuities for you and your family ask us for a no hassle quote
General Information
When first applying for your plan we must decide if we go through the ACA (Affordable Care Act) Marketplace in order to get a Subsidy that will lower the price of your health insurance plan. This Subsidy will lower the price depending on the following:
- Total Household size
- ages of covered members
- zipcode
- Estimated income claimed for the current plan year
Every individual and family situation is different, using the above criteria we will find a plan best suited for you and your families current situation. Other benefits of going through the marketplace is the fact that there are no health qualifying questions, so regardless of your health you will be approved. There are also no maximum coverage limitations meaning regardless of what dollar amount your insurance covers, they cannot cancel your plan or stop covering you.
Some things to be aware of is that the Health Insurance Marketplace may request Income and or immigration documents from covered individuals throughout the year. We will get these documents when submitting your plan if they are needed. We will upload them as well so you don’t have to mail them in later. You never need to call or mail in documents to the marketplace because as your agents we take on this for you. After we upload the documents you may continue to receive letters such as 2nd notice, and final notice to submit documents. These letters appear as if they will cancel your plan however just let us know when or if you receive them. Usually this is part of an automated system. We always upload your documents as soon as you give them to us regardless if you continue to receive these letters. Rest assured that we monitor every plan and document due date to ensure that you will not be cancelled.
If your family is in good health and your income is on the higher end of the FPL it may be to your advantage to choose an off marketplace plan in order to save on your monthly premium. We will determine this at the time of quoting your prices. Off marketplace plans require a health questionnaire for approval.
The “Health Insurance Marketplace,” is a shopping and enrollment service for medical insurance created by the Affordable Care Act in 2010. In most states, the federal government runs the Marketplace (sometimes known as the “exchange”) for individuals and families. Here you can qualify for lower monthly premiums or savings on out-of-pocket costs based on your income.
Get ready you will be receiving a lot of mail both from your Health insurance provider and if you get a subsidy you will get a plethora from the marketplace. Don’t allow any of the letters to confuse you or scare you into thinking that you will be cancelled. As your agents we can see every letter you are sent from the marketplace and will handle them for you. We do ask that you let us know when you receive these letters just to make sure they are handled promptly and properly.
As stated above, Some things to be aware of is that the Health Insurance Marketplace may request Income and or immigration documents from covered individuals throughout the year. We will get these documents when submitting your plan if they are needed. We will upload them as well so you don’t have to mail them in later. You never need to call or mail in documents to the marketplace because as your agents we take on this for you. After we upload the documents you may continue to receive letters such as 2nd notice, and final notice to submit documents. These letters appear as if they will cancel your plan however just let us know when or if you receive them. Usually this is part of an automated system. We always upload your documents as soon as you give them to us regardless if you continue to receive these letters. Rest assured that we monitor every plan and document due date to ensure that you will not be cancelled.
Anyone who receives a subsidy for lower cost insurance must file a tax return for the year of the plan. If your plan is Jan 1 – Dec 31, 2021 then you must file a tax return for everyone on your application for that 2021 year in 2022. You will get a 1095A form to file with your tax return in January or February of the following year to file with your tax return. You MUST file the 1095A form with your return. If you end up making substantially less for some reason it’s still better to file regardless if the irs says you need to along with the 1095A form. Anyone who doesn’t file a tax return and receives a subsidy will more than likely have their plan cancelled the following year. We inform all our members to file a tax return matching the household size stated on the health insurance application so that the 1095A form will match the names and household size or your tax return. If you are in the immigration process and do not have a social # you can easily obtain a ITIN # that can be used to file a tax return all you need is a passport. Please contact us for more info.
Anyone who receives Medicare, Medicaid, Kidcare or VA benefits does not qualify for lower cost health insurance with a subsidy. You will need to cancel your other plan in order to get the ACA plan with a subsidy. The exception is if you have Share of cost or cost share medicaid, you are allowed to have that and still receive a subsidy. Please contact us before cancelling your current plan.
Subsidies are based on the following
- Total Household size
- ages of covered members
- zipcode
- Estimated income claimed for the current plan year
You also must file a tax return for the year of your plan so if you get a plan for the year 2021 then you will file that tax return in 2022 for the 2021 year and base estimated income for the year of your current health insurance plan. If Self Employed or paid as a 1099 independent contractor we use MAGI after business expense deductions and after any child support paid and before any child support received as taxable income.
Anyone who claims under the 400% FPL based on household size can receive a subsidy. We have a chart please contact us if you have any questions
Anyone with Legal presence in the US can obtain a subsidy with the following documents: You do not need to be a citizen or have a SS#. Let us know during the application which document you have so we can enter the info during the application process. you can also securely send us the document here (link to upload immigration documents on contact us page)
Permanent Resident Card, “Green Card” (I-551)
Reentry Permit (I-327)
Refugee Travel Document (I-571)
Employment Authorization Document (I-766)
Machine Readable Immigrant Visa (with temporary I-551 language)
Temporary I-551 Stamp (on passport or I-94/I-94A)
Arrival/Departure Record (I-94/I-94A)
Arrival/Departure Record in foreign passport (I-94)
Foreign Passport
Certificate of Eligibility for Nonimmigrant Student Status (I-20)
Certificate of Eligibility for Exchange Visitor Status (DS-2019)
Notice of Action (I-797)
Document indicating membership in a federally recognized Indian tribe or American Indian born in Canada
Certification from U.S. Department of Health and Human Services (HHS) Office of Refugee Resettlement (ORR)
Document indicating withholding of removal
Office of Refugee Resettlement (ORR) eligibility letter (if under 18)
Resident of American Samoa card
Alien number (also called alien registration number or USCIS number) or I-94 number
Reentry Permit (I-327)
Refugee Travel Document (I-571)
Employment Authorization Document (I-766)
Machine Readable Immigrant Visa (with temporary I-551 language)
Temporary I-551 Stamp (on passport or I-94/I-94A)
Arrival/Departure Record (I-94/I-94A)
Arrival/Departure Record in foreign passport (I-94)
Foreign Passport
Certificate of Eligibility for Nonimmigrant Student Status (I-20)
Certificate of Eligibility for Exchange Visitor Status (DS-2019)
Notice of Action (I-797)
Document indicating membership in a federally recognized Indian tribe or American Indian born in Canada
Certification from U.S. Department of Health and Human Services (HHS) Office of Refugee Resettlement (ORR)
Document indicating withholding of removal
Office of Refugee Resettlement (ORR) eligibility letter (if under 18)
Resident of American Samoa card
Alien number (also called alien registration number or USCIS number) or I-94 number
We get many potential members that have been informed by their Immigration lawyers or advisers that receiving a subsidy will hurt or affect their immigration process as receiving a public charge. this is from the government website:
“public charge” status
On February 24, 2020, new U.S. Citizenship and Immigration Services (USCIS) regulations apply to the definition and factors for “public charge” status. These regulations outline how USCIS will determine whether applications for admission to the United States or applications for adjustment to immigration status will be denied because the applicant is likely at any time to become a public charge.
Use of public benefits could be considered a negative factor in a public charge inadmissibility determination. This means it could affect your chances of admission or adjustment of status.
Enrollment in a Marketplace plan (with or without premium tax credits) is NOT a public benefit under the public charge final rule.
We are not lawyers and can not give legal advice. If you have more questions about the public charge law that was passed, please contact a professional.
We inform all our members to file a tax return matching the household size stated on the health insurance application so that the 1095A form will match the names and household size or your tax return. If you are in the immigration process and do not have a social # you can easily obtain a ITIN # that can be used to file a tax return all you need is a passport. Please contact us for more info.
You also must file a tax return for the year of your plan so if you get a plan for the year 2021 then you will file that tax return in 2022 for the 2021 year and base estimated income for the year of your current health insurance plan. If Self Employed or paid as a 1099 independent contractor we use MAGI after business expense deductions and after any child support paid and before any child support received as taxable income.
Based on the Income that you estimate on your application it will affect both the monthly premium price as well as the actual plan itself (amount of copays and deductibles). The higher the claimed income on your tax return the higher the premium monthly payment will be as well as the higher the dollar amount of the copays, coinsurance and deductibles will be. This is Just an estimate and we can adjust your income accordingly throughout the year. If you overshoot your income you may be asked to pay back some of the premium on your tax return as if you used that estimation from the start. The process is somewhat complicated with actual capped amounts of $300 – $2500 in many circumstances. If you end up going over the 400% FPL for that year then you will be asked to pay back all of the subsidy that you received that year. so that # is important to know. Please contact us with any questions regarding this for your unique situation.
If you make under the 100% FPL you will not be charged anything but you still need to file the 1095A with your return.
Remember:
If you are Self Employed or you are paid as a 1099 independent contractor we use MAGI (Modified Adjusted Gross Income)after business expense deductions and after any child support paid and before any child support received as taxable income. Income is calculated as a combined amount for all the members in the household as long as they are listed on your tax return whether or not they are covered on the plan.
*IMPORTANT* You will receive a 1095-A form that you must file with your tax return the following January or February. If you do not receive this by the time you do your taxes let us know and we will try to get the form for you. You must file this with your return as it could affect your refund or plan being cancelled.
