Prepare for Hurricane Season: Ensure Adequate Health Insurance Coverage in Florida

Florida is a beautiful place to live, with people from all over the world buying residential properties in Miami, Coral Gables, and Naples, FL, as well as small and large cities throughout the state. However, Florida is also a part of the country that is at high risk for hurricanes from June 1st through to the end of November.

During hurricane season and throughout the year, residents of the Sunshine State need to have the right level of healthcare insurance. Knowing what your current health insurance covers and where gaps may exist allows you to speak with an insurance agent at Del Toro Insurance and evaluate the policy. We carefully match your needs with the best policy at an affordable price.

Policy Review

Prior to June 1st of each year, schedule a meeting with your Del Toro Insurance agent. We will review the coverage, answer your questions, and recommend any necessary changes in your policy based on changes in your health or other factors.

This review is also a good time to verify your in-network hospital in the event of an injury. As Florida hurricanes may require evacuations, determining the best place for medical attention if you are away from home helps reduce the challenges of an already difficult time. This step is particularly important if you or a family member has special needs or medical conditions.

Next Steps

Having the right health insurance policy gives you peace of mind in the event of a hurricane in your area. Our team at Del Toro Insurance provides health insurance plans for individuals and families throughout the state, including Hialeah Gardens, Margate, Homestead, Palmetto Bay, Cutler Bay, Hialeah Gardens, North Miami Beach, Coral Gables, Hialeah, Naples, and Miami, FL.

In addition to having coverage for health insurance, we recommend you consider medical needs planning if there is an approaching storm. Some important things to do include:

• Refilling prescription medication and having at least thirty days of medication on hand if need to evacuate or in the event of severe flooding and power outages. Keep all medications stored correctly in a portable, waterproof container.
• Place health insurance cards, online health account information, and other important health information in sealed, waterproof containers. Keep this in a waterproof backpack or case that is easy to grab and take with you.
• If a family member needs special medical care, such as dialysis or IV therapy, ensure all necessary information is easy to access and in a waterproof container.

Our team of insurance agents at Del Toro Insurance is here to assist you in preparing your health insurance coverage for the hurricane season. It is never too late to ensure you have the best coverage based on your family’s health needs.

To speak with one of our agents, call us today at (305) 335-8676 or reach us online. We provide service to customers throughout Hialeah Gardens, Margate, Homestead, Palmetto Bay, Cutler Bay, Hialeah Gardens, North Miami Beach, Coral Gables, Hialeah, Naples, and Miami, FL.

FAQs

Why is it important to ensure adequate health insurance coverage during hurricane season in Florida?

Unfortunately, inadequate health insurance coverage can be costly if you or a family member are injured in the storm. The best coverage protects you and your family from unexpected medical costs if you stay in Florida or travel outside of the state during or after a hurricane.

How can I ensure that my health insurance coverage includes access to medical facilities and services during and after a hurricane?

Take the time to review your policy and identify medical facilities and services that are included with your policy. If the coverage is not adequate, our insurance agents will find a policy that offers access to the facilities and services you require.

What should I do if I don’t have health insurance coverage or if my current policy is inadequate for hurricane-related health concerns?

Schedule an appointment to discuss your health care coverage with an agent from Del Toro Insurance. We offer a range of affordable health insurance policies that will provide the coverage you need.

Are there any specific health insurance considerations for individuals with pre-existing conditions during hurricane season?

Individuals with pre-existing conditions need to carefully review their policy for both coverage and medical facilities in the plan. Knowing where to go for medical services covered by your insurance will be critical for those with pre-existing conditions. Have all prescriptions and treatment information available and with you in the event of an evacuation and research where to seek medical help prior to evacuating if possible.