CEO JNC HEALTHCARE SOLUTIONS
ABOUT ME
LICENSED HEALTH ADVISOR
My name is John Kalafatis. I have a passion for helping individuals and families find the best healthcare solutions to meet their unique needs.
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With over 5 years of experience in the healthcare industry, I have developed a deep understanding of the challenges that people face when it comes to accessing high-quality healthcare. My mission is to make healthcare more accessible and affordable for everyone, and I am committed to achieving that goal through personalized service and innovative solutions.
HOW I CAN HELP YOU
Navigating the world of health insurance can be a challenging task, especially when it comes to finding plans that strike the perfect balance between affordability and comprehensive coverage. Everyone deserves access to affordable health insurance plans that provide excellent coverage.
AFFORDABLE PRICES
LOW OUT OF POCKET
EXPENSES
TAILORED TO YOUR NEEDS
Plans are designed to be affordable based on how frequently you use your coverage. Private Medically Underwritten plans give you lower rates on your monthly premium for being relatively healthy.
You won't have to worry about meeting a deductible before receiving first-dollar coverage on all of your day-to-day basics. Start receiving essential medical services immediately, providing peace of mind for unexpected healthcare needs.
Nationwide plans offer a wide range of options, allowing you to customize your coverage to suit your specific needs and budget. Best suited for your unique requirements.
Health Insurance
Individuals,
Self Employed & Travel Professionals
There are a few things that you should keep in mind when shopping for health insurance as a self-employed person. These include:
Premium: Your premium is the amount you'll have to pay each month for your health insurance policy. You should look for a plan with a premium that fits your budget.
Deductible: Your deductible is the amount you have to pay out of pocket before insurance begins to cover the cost. Plans with higher deductibles typically have lower premiums, and vice versa.
Copays: Copays are the amount you have to pay out of pocket for a given service, like seeing a primary care physician. Look for policies with low copays when possible.
Prescription coverage: If you have any prescription medications, look for a plan that covers them. In-network physicians: If you already have a doctor or physician you're happy with, you should make sure to see whether or not they're in-network for your new health insurance policy.
Small Business
For small businesses, providing health insurance to employees can be a significant expense. According to a 2021 Kaiser Family Foundation report, The average annual health insurance premium for small firms was:
$7,813 for single coverage, of which employers contributed $6,485, or 83%.
$21,804 for family coverage, of which employers contributed $13,737, or 63%.
The report defined “small firms” as those having from three to 199 employees. Businesses with fewer than 50 employees are not legally required to offer health insurance, though 53% did so in 2020 — as did 48% of businesses with three to nine employees. While it can be costly, offering health insurance to your employees can help you stay competitive as a business, retain workers and take advantage of tax benefits. Here’s what to know.
Businesses with fewer than 50 full-time equivalent employees may choose to provide health insurance to their employees using private plans. With the changes in the HealthCare Reform Act, it allows them to offer lower premiums than many employees while saving them a ton of money. Unlike other types of health insurance, you can shop for private at any time of the year.
Highly recommend John with all your healthcare needs!! Very responsive and gets you the info you need to make the best decision for your health insurance!! I needed to adjust my monthly payment and he had me the info the same day and I got it amended the next day! Thanks John for being there brother!!!
Teague Chitwood, FL
The Essential Guide to Health Insurance Introduction:
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Are you seeking peace of mind when it comes to your healthcare costs? Look no further than health insurance. In this comprehensive guide, we will dive deep into the world of health insurance and help you understand its importance, how it works, and what to consider when choosing the right plan for you and your family.
Table of Contents
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Importance of Health Insurance
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How Health Insurance Works
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Types of Health Insurance Plans
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Factors to Consider When Choosing a Health Insurance Plan
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Tips for Getting the Most Out of Your Health Insurance
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Conclusion
Importance of Health Insurance
Health insurance is not just a luxury, but a necessity in today's world. With rising healthcare costs, having health insurance ensures that you and your loved ones can afford the medical care you need. It provides financial protection against unexpected medical expenses, giving you peace of mind.
How Health Insurance Works
Health insurance is a contract between you and an insurance company that provides coverage for medical expenses. You pay a premium to the insurance company, and in return, they cover a portion of your healthcare costs. The specific coverage and benefits vary depending on the plan you choose.
Types of Health Insurance Plans
There are several types of health insurance plans to choose from, including:
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Health Maintenance Organization (HMO): HMO plans require you to choose a primary care physician and get referrals to see specialists. They usually have lower monthly premiums but limited provider networks.
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Preferred Provider Organization (PPO): PPO plans offer more flexibility with the option to see any healthcare provider, both inside and outside the network. However, they generally have higher monthly premiums.
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Exclusive Provider Organization (EPO): EPO plans are a mix between HMO and PPO plans. They offer a network of providers, but no out-of-network coverage, except in emergencies.
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Point of Service (POS): POS plans combine features of both HMO and PPO plans. You can choose a primary care physician and get referrals like an HMO, but also have the option to see out-of-network providers for higher costs.
Factors to Consider When Choosing a Health Insurance Plan
When selecting a health insurance plan, consider the following factors:
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Premiums: The monthly cost of your health insurance plan.
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Deductibles: The amount you must pay out of pocket before your insurance kicks in.
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Coverage: Ensure that the plan covers the specific medical services you need.
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Network: Check if your preferred healthcare providers are in-network.
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Prescription Coverage: If you take regular medications, make sure they are covered.
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Out-of-Pocket Costs: Consider co-pays, co-insurance, and maximum out-of-pocket limits.
Tips for Getting the Most Out of Your Health Insurance
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Understand Your Coverage: Read the fine print to understand what is covered and what is not.
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Stay In-Network: Whenever possible, use in-network healthcare providers to avoid higher costs.
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Take Advantage of Preventive Services: Many health insurance plans cover preventive services like vaccinations and screenings without any out-of-pocket costs.
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Review Your Plan Annually: As your healthcare needs change, review your plan each year during the open enrollment period to ensure it still meets your needs.
Conclusion
Health insurance is a crucial investment in your well-being. It offers financial protection and accessibility to quality healthcare services. By understanding how health insurance works and considering important factors when choosing a plan, you can ensure you and your family have the coverage you need when you need it. Make an informed decision and enjoy the peace of mind that comes with being covered by health insurance.
