Wenrick Insurance Agency
1-800-431-7659Our home office is in Destin, Florida, and we have been providing both Life Insurance and Health Insurance in Destin, Miramar Beach, Niceville, Fort Walton Beach, Crestview, Panama City, and Santa Rosa Beach for many years. Our service provides protection products for health and death risks.
We Represent:
- BlueCross BlueShield
- United HealthCare
- CIGNA
- Humana
- Aetna
- Prudential
- Genworth
- John Hancock
- Aviva
- West Coast
- MetLife
- …and many others
Wenrick Insurance Agency is licensed and serves customers in FL, GA, AL, TX, TN, NC, IN, OH and MI.
We understand the NEW HEALTH CARE REFORM LAW and can assist you in making educated health care and family protection decisions that are best for you and your family by providing clarity within today’s health and life insurance climate.
dennis@wenrickinsurance.com
Dennis K. Wenrick Owner/Broker/Agent
Health Insurance
HEALTH INSURANCE for individuals and families under 65
With health insurance being a high priority with the federal government, changes in the health insurance environment are coming with the new law. The insurance companies are modifying existing plans, dropping plans, and adding plans with new and modified benefits to meet the law requirements. Plans and prices are changing.
Whether you have or don’t have health insurance, these changes are important to you. You may be able to get insurance when you could not get coverage before. Or, you may have an opportunity to save on your monthly health insurance cost or improve the benefits. You have two basic health insurance categories that health insurance plans come under: COPAY PLANS and HSA PLANS.
We give you two choices to get started to evaluate your health insurance situation:
- GET HEALTH QUOTE NOW is for those who clearly understand the benefit term differences of insurance companies, who have no major health issues, and/or take one or two medications, and who know what plan is best for them.
- REQUEST FREE PROFESSIONAL ASSISTANCE is for those who need clear “apple to apple” comparisons of plans, who have some medical issue and/or take more than two medications, and who want a clear explanation of the plan benefits.
Impact of the New Healthcare Reform Law:
With health insurance being a high priority with the federal government, change
in the health insurance environment are coming with the new law. The insurance companies are modifying existing plans, dropping plans, and adding plans with new and modified benefits to meet the law requirements.
Plans and prices are changing. Whether or not you presently have health insurance, these changes are important to you.
- You may be able to get insurance now when you could not get coverage before.
- Or, you may have an opportunity to save on your monthly health insurance cost or improve the benefits.
TWO BASIC HEALTH INSURANCE CATEGORIES:
- COPAY PLANS
- HSA PLANS
What is COBRA?
A provision in the law that requires almost all employers to allow their terminated employees to continue their group coverage for up to 18 months, provided the employee pays 100 percent of the cost of the insurance.
- If you are on COBRA, you need to search for insurance with a licensed agent. To keep your monthly costs low have the licensed agent review the options available for increasing your deductible and copayments.
- Don’t wait ‘til the last minute to get your health insurance!
- United HealthOne
- Humana One
- Aetna
- World
- Assurant (TIME)
- CIGNA
- BlueCross Blue Shield
- United HealthOne
- Humana One
- Aetna
- World
- Assurant (TIME)
- CIGNA
What is HIPAA?
The Health Insurance Portability and Accountability Act (HIPAA) of 1996 requires that states provide at least a minimal coverage after you exhaust COBRA benefits, as long as you haven’t had any extended lapse (generally a break of 63 days or more) in coverage. Premiums under HIPPA may be two to three times what they would be for a standard-rate policy. HIPAA policies are typically an option of the last resort for many people without employer-provided health insurance. However, HIPAA is still better than no health insurance at all. HIPAA rules vary by state, so be sure to check before dropping any current coverage.
State of FLORIDA requires Insurance Companies to provide HIPAA health insurance plans.
Get Health Quote Now
Help Me Choose Health
Or call 1-800-431-7659
State High-Risk Health Pools
Check with your state’s Insurance Commissioner’s Office for more information. These Risk Pools are designed to assist people who are medically uninsurable due to significant health problems. You might have to pay 125% – 150% of the cost of a standard policy, if there are even funds available. Waiting lists can be long.
Medicaid and other state-based healthcare programs: Income levels, eligibility requirements, and benefits vary by state.
State Children’s Health Insurance Program: These programs provide health care coverage to children when their families’ income is greater than what Medicare allows.
Federally Funded Community Health Centers: These centers provide health care assistance to the needy. Call 800-ASK-HRSA for info.
State of Florida does NOT have a High-Risk Health Pool
Ways to Save Money on Individual Health Insurance
Consider an HSA (Health Savings Account) Plan
For more information on Health Savings Accounts click here:
Eliminate the use of tobacco products… quit smoking!
- Be sure to have insurance in place prior to pregnancy
- Avoid high-risk lifestyles and activities
- Establish a wellness program
Discuss your options with our Health Insurance Specialist
Send your questions to:
Dennis Wenrick, Owner/Broker/Agent at:
Get Health Quote Now
Help Me Choose Health
Or call 1-800-431-7659