We know everyone has different healthcare needs, so Del Toro Insurance offers residents of Palmetto Bay assistance in picking from numerous quality medical coverage plans, helping you compare services and competitive rates.
Don't settle for a plan that doesn't cover all of your personal needs or covers way more than you want. Check out what our health insurance brokers have waiting for you.
Del Toro Health Insurance has a fantastic team of expert insurance brokers whose goal is to provide excellent customer service. We want to ensure you enter into a premium you can afford that also makes it worthwhile.
Not only can we assist in choosing the best medical insurance plans for you and your family, but we also provide plenty of information, tools, and resources to continue helping you out once you have chosen your ideal policy.
Missed premium payments can lead to lapses in coverage and even insurance loss. If you struggle to pay your premium, contact your insurance provider to find a solution before you get into trouble.
Not sure who to speak with? Contact our office, where we can help connect you to the right place. Our customers are like family and we don't want to see you lose the coverage you need.
We can walk you through various payment options, choosing something you can afford.
With many other health insurance brokers in the Palmetto Bay area, why should you trust Del Toro with your medical coverage needs? Here’s why:
We have a full staff of trained brokers to help you pick a plan ideal for your specific needs.
We actively seek out various options to help reduce your out-of-pocket costs.
We offer professional, educated advice.
We offer prompt and accurate information so you don’t have to wait for a long time for the services you need.
We treat customers like family.
We offer FREE consultations.
Health insurance plans come in all shapes and sizes, and without extensive knowledge of the subject, you might not get the coverage you need at a price you can afford. Whether you need to find a Medicare insurance provider or a medical insurance policy, Del Toro can help.
If you want an easy claim process, fast and friendly service, and a close relationship with all the big-name insurance companies out there, you can trust we have your best interests at heart and will obtain health insurance coverage that will take care of you and your family when you need it the most. If you're looking for a health insurance broker in Palmetto Bay, contact us today for more information or a free consultation.
Many insurance plans have a formulary or a list of preferred medications that they cover. Generally, insurance companies encourage people to use the generic version of a drug because they cost less but are just as effective. Some insurance companies will cover medications that are not on the formulary, but these non-preferred drugs are often more expensive.
If your doctor prescribes a medication that is not on the formulary, most plans have a process for approving (or not approving) them on a case-by-case basis.
When choosing an insurance plan, it is important to find one that covers your medications. Keep a list of prescriptions and whether they’re generic or name-brand. If your medications are mostly generic, you may be able to find a more affordable plan, but if you take a lot of name-brand medications, look for a policy that covers both generic and name-brand drugs. It is best to discuss this with one of the top expert health insurance brokers in Palmetto Bay, where we can find coverage to fit your prescription needs.
Multiple health insurance companies are offering various plans today, most fitting into three different categories:
Health maintenance organizations (HMOs)
Preferred provider organizations (PPOs)
Indemnity/fee-for-service (FFS) or point-of-service (POS)
You can choose the insurance plan that will meet your specific needs best. Sometimes, you may want to opt for more than one plan to save you the most in out-of-pocket costs.
When you have two insurance plans, one is the primary insurer and the other a secondary insurer. Generally, the health care provider files the claim with the primary insurance company, who pays according to their benefits. The secondary health insurance then reviews the claim and contributes to the payment based on their benefit. Then, the provider will bill you for anything that remains.
If you fall behind on your premium payments, most insurance companies give you a three-month grace period before canceling your policy.