Let our family help yours
Let our family help yours
Frequently Asked Questions
Insured by Arias – Obamacare • Medicare • ACA • Life Insurance in Ocala, FL
Plans Starting at $0 – Call/Text 352-355-8236
Obamacare & ACA Health Insurance
Q: What is the Affordable Care Act (ACA) and how does it help Ocala residents?
A: The ACA—often called Obamacare—is a federal law that makes quality health insurance more affordable. It provides income-based subsidies and cost-sharing reductions so many Ocala families qualify for $0 or very low-cost monthly premiums.
Q: When is Open Enrollment for ACA health plans in Florida?
A: Open Enrollment typically runs November 1 through January 15 each year. If you have a life event—like losing coverage, getting married, or having a baby—you may qualify for a Special Enrollment Period any time.
Q: Can Insured by Arias help me find a plan with a $0 premium?
A: Yes. We compare top marketplace carriers and check all subsidies to help you secure a $0 monthly premium plan if you qualify.
Q: Do I need to create a Healthcare.gov account?
A: Not necessarily. We can handle the application for you at no extra cost, ensuring all details are accurate so you receive the maximum tax credit.
Q: What documents do I need to enroll?
A: A photo ID, proof of income (like a pay stub or tax return), and Social Security numbers for everyone who will be covered.
Medicare
Q: What types of Medicare plans are available in Ocala?
A: You can choose Original Medicare (Parts A & B), Medicare Advantage (Part C), Part D prescription plans, and Medicare Supplement (Medigap) policies. We help you compare local Ocala networks and prescription formularies.
Q: When can I sign up for Medicare?
A: Your Initial Enrollment Period starts three months before your 65th birthday month and ends three months after. You may also enroll during the Annual Enrollment Period (Oct 15–Dec 7) or Medicare Advantage Open Enrollment (Jan 1–Mar 31).
Q: Can I keep my doctor with a Medicare Advantage plan?
A: Most likely, but each plan has its own network. We verify that your preferred physicians and hospitals in Ocala are included.
Q: What is the difference between Medicare Advantage and a Medigap plan?
A: Advantage plans bundle hospital, medical, and often drug coverage. Medigap plans supplement Original Medicare and may offer more flexibility in provider choice. We’ll review your budget and health needs to recommend the best fit.
Life Insurance
Q: Why is life insurance important for Ocala families?
A: Life insurance protects loved ones from financial hardship—covering mortgage payments, final expenses, and income replacement.
Q: What types of life insurance do you offer?
A: Term life, whole life, and universal life policies from top-rated carriers. We can tailor coverage amounts to fit every stage of life.
Q: How much coverage do I need?
A: A good rule of thumb is 7–10 times your annual income, but we’ll calculate a personalized recommendation based on debts, dependents, and goals.
Local & General Questions
Q: Are you located in Ocala, FL?
A: Yes. Insured by Arias proudly serves Ocala and all of Marion County. We can meet in person, by phone, or via secure video call.
Q: Is there a fee for your services?
A: No. As licensed health and life insurance agents, we are paid by the insurance companies—never by you.
Q: How can I get a free quote today?
A: Call or text 352-355-8236 or use our online quote form to get personalized plan options within minutes.
Why do I need health insurance if I’m healthy?
Even healthy people can face unexpected accidents or illnesses. Insurance shields you from high hospital bills and gives access to preventive care.
General Health insurance questions
How do deductibles, copays, and coinsurance differ?
The deductible is what you pay before insurance starts sharing costs. Copay is a fixed amount per visit, and coinsurance is a percentage you pay after the deductible.
Why do I need health insurance if I’m healthy?
Even healthy people can face unexpected accidents or illnesses. Insurance shields you from high hospital bills and gives access to preventive care.
How do deductibles, copays, and coinsurance differ?
The deductible is what you pay before insurance starts sharing costs. Copay is a fixed amount per visit, and coinsurance is a percentage you pay after the deductible.What’s the difference between HMO, PPO, EPO, and POS plans?
HMO: Lower premiums, in-network doctors only, referrals required.
PPO: Larger network, no referrals, higher cost.
EPO: Similar to PPO but no out-of-network coverage except emergencies.
POS: Hybrid of HMO and PPO.
How can I lower my monthly premium?
Choose a higher deductible, apply for ACA subsidies, or pick a silver plan that qualifies for cost-sharing reductions.When can I buy health insurance?
During Open Enrollment (Nov 1–Jan 15) or after a qualifying life event like marriage, birth, or loss of coverage.Is there a penalty for not having health insurance in Florida?
No federal penalty, but you’ll be responsible for all medical costs.Do ACA plans cover pre-existing conditions?
Yes. Marketplace plans must cover all pre-existing conditions with no waiting period.Are mental health services covered?
All ACA-compliant plans include behavioral health and therapy at the same level as physical health services.Does health insurance cover telehealth visits?
Most major carriers now include virtual doctor visits and teletherapy.Can I use my plan outside Florida?
Emergency care is covered anywhere in the U.S. PPO networks often allow nationwide providers; HMO networks are more local.How soon does coverage start after enrolling?
Typically the first day of the next month if you enroll by the 15th.What is an out-of-pocket maximum?
It’s the most you’ll pay in a year for covered services. After reaching it, insurance pays 100% of covered costs.Can I get coverage if I’m self-employed?
Yes. You can buy an ACA marketplace plan and may qualify for tax credits.What is catastrophic coverage?
A low-premium, high-deductible plan designed mainly for people under 30 or with a hardship exemption.Are prescriptions included?
Yes, every marketplace plan includes prescription drug coverage with a defined formulary.What are essential health benefits?
ACA plans must cover services like hospitalization, maternity, mental health, preventive care, and more.Can my adult child stay on my plan?
Yes, children can remain on a parent’s plan until age 26.Do I need health insurance if I travel internationally?
U.S. plans may offer limited overseas coverage. Consider a separate travel health policy for international trips.Can I change plans mid-year?
Only if you have a qualifying life event (Special Enrollment Period).What is a qualifying life event?
Events like marriage, divorce, birth, adoption, job loss, or moving to a new coverage area.How are premiums calculated?
Factors include age, location, tobacco use, plan category, and family size—never medical history.What is the difference between bronze, silver, gold, and platinum plans?
Bronze has lowest premiums but higher costs when you need care; platinum has highest premiums but lowest out-of-pocket costs.What is short-term health insurance?
Temporary coverage (up to 12 months in Florida) for people between plans. It’s not ACA-compliant and may exclude pre-existing conditions.Does health insurance cover maternity care?
Yes. All ACA plans include prenatal, delivery, and newborn care.What’s the difference between on-exchange and off-exchange plans?
On-exchange plans are sold through Healthcare.gov and may include subsidies; off-exchange plans are purchased directly from carriers and don’t offer federal tax credits.Can I get help paying my premium?
Income-based advance premium tax credits can significantly reduce or even eliminate monthly premiums.How do I know if my doctor is in-network?
We verify provider networks for you and help confirm your preferred doctors and hospitals.What is a health savings account (HSA)?
A tax-advantaged account you can use for medical expenses, available with certain high-deductible plans.Will insurance cover routine dental or vision care?
ACA health plans usually don’t cover adult dental/vision, but you can buy standalone dental or vision policies.How can Insured by Arias help me?
We compare top carriers, check subsidies, and enroll you in a plan—all at no extra cost. Call or text 352-355-8236 to get started.