When you decide to live in Miami, one of your priorities should be to get a Miami health plan that’s right for you and your family.
In this article we share with you the most important aspects that you should consider to enjoy a better quality of life and have everything covered in case of any eventuality of this type.

What are the types of health plans in Miami?

When you live in Miami you have the possibility of accessing different types of health plans.
Here we share the most common ones that may interest you:

Private Health Plans

Private health plans in Miami offer a wide range of options for different needs and budgets.
There are many alternatives to choose from, but some of the most well-known companies include:

When you purchase one of these plans, you have access to an extensive network of providers and hospitals in Miami, allowing you to choose from a variety of doctors and specialists.

Marketplace Health Plan

The Health Insurance Marketplace, established by the Affordable Care Act (ACA), also known to some as “Obamacare,” offers health plans in Miami with varying levels of coverage and costs.
These are available to legal residents and U.S. citizens.

Medicare and Medicaid

For people over the age of 65 or with certain disabilities, Medicare is a health plan option in Miami offered by the United States government aimed at this population.
On the other hand, Medicaid is available to low-income people who meet specific requirements, and is also part of the state’s offer of services of this type.

How to Choose a Health Plan in Miami

When you are choosing your health plan, you have to take into account the following recommendations:

Assess your medical needs

Consider your medical history, recurring medications, and preventive care needs when choosing a health plan in Miami.

Miami Health Plan: Compare Costs and Coverage

Analyze monthly premiums, deductibles, copays, and coinsurance for different plans.
Make sure the plan covers the services you need.

Verify the provider network

Confirm that your preferred doctor and the hospitals in Miami you’re interested in are included in the network of the health plan you’re considering.

Health Plan Enrollment Process in Miami

To become a member, you must take into account the following aspects:

For private plans:

  1. Contact insurance companies or use the services of an insurance agent.
  2. Provide any personal and medical information requested.
  3. Review and sign plan documents.
  4. Make your first payment to activate your coverage.

For Marketplace plans:

  1. Visit Healthcare.gov during the open enrollment period (or if you qualify for a special period).
  2. Create an account and complete the application.
  3. Compare plans and choose the right one.
  4. Submit your application and make the first payment.

Costs and Services of Health Plans in Miami

The costs of health plans in Miami vary according to the type of plan and level of coverage, therefore, it is difficult to talk about an estimated price, because there are many factors that affect it.

Services covered by most plans include:

  • Preventive Care
  • Medical consultations
  • Prescription Drugs
  • Emergency Care
  • Hospitalization

Are you a foreign investor?
Keep this in mind

If you are a foreign investor interested in Miami’s real estate market, it is key that you first understand how the local healthcare system works.
Some points to consider:

  • Check to see if your visa allows you to access Marketplace plans.
  • Research international health plans that offer coverage in the United States.
  • Consider travel insurance with medical coverage if your stay is temporary.

Quality of Life in Miami: The Role of the Health System

A proper health plan goes a long way toward improving your quality of life in Miami.
The city has renowned hospitals such as Jackson Memorial Hospital and Mount Sinai Medical Center, among many others, that offer high-quality medical care.

Integration with other aspects of life in Miami

By settling in Miami, your health plan is integrated with other important aspects such as finding housing and education.
For example, when choosing where to live, you might consider proximity to your plan’s health providers.
Similarly, when researching how to find a school in Miami for your children, you could take into account nearby medical facilities.

Choosing a health plan in Miami is a key step in ensuring your well-being and that of your family in this city.
With the right information and careful consideration of your needs, you can find a plan that gives you peace of mind and access to quality health care.

At PFS Realty we like to help you not only make your real estate investments, but also receive valuable information about all aspects of life in Miami, including health.
Contact us to learn more about making Miami your new home.

References:

  • USA.gov (n.d.) How to get insurance through the Health Insurance Marketplace.
    https://www.usa.gov/es/salud-mercado-seguros-medicos-aca

  • Medicare (n.d.).
    https://es.medicare.gov/