Protect Your Family With Affordable Health Insurance in Miami
We’ll Help You Find a Health Insurance Plan That Fits Your Needs and Budget.
Health Insurance Solutions in Miami, Florida
At Caley Insurance, we understand how frustrating shopping for health insurance can be. There are countless coverage options to choose from. It can be challenging to know what insurance policy will give you the coverage you need.
Whether you’re an individual or shopping for a policy for the whole family, our experts are here to assist. We offer a wide range of health insurance plans in Florida that can help you in emergencies or with long-term healthcare needs. Our staff will also look for financial assistance opportunities to help you pay for your policies.
Are you ready to get started? Apply for a health insurance quote in Miami with Caley Insurance.
How Does Health Insurance in Miami Work?
You’ll pay yearly or monthly payments to your health insurance company. This is also known as a premium. Your health insurance provider will cover some or all of your medical expenses, so long as you make your premium payments.
Deductible
A deductible is a yearly amount you must meet before your health insurance company pays your costs. Your plan’s deductible depends on various factors. Lower deductibles tend to result in a higher premium.
Copay
A copay is a flat fee attached to a specific medical bill. Copays are usually applied after your deductible is met.
Coinsurance
Coinsurance is the amount you pay after your deductible is met. For example, you might be required to pay 20% of your costs after that point.
Out-of-Pocket Maximum
Your out-of-pocket maximum is how much you’ll personally spend each year on the following:
- Copays
- Coinsurance
- Deductibles
Once you’ve met your out-of-pocket maximum, your insurance company will cover your medical expenses for the rest of the year.
What Are the Different Levels of Health Insurance?
Caley Insurance offers various health insurance plans across several price levels. Stay on top of your health while operating within your budget.
Bronze
A bronze health insurance plan usually has the cheapest monthly premium. However, it has the highest cost of medical care. You’ll also experience a higher deductible that could amount to thousands of dollars each year.
This type of plan is a good choice for those who need protection from “worst-case” medical situations, like injuries or illnesses.
Silver
Silver health plans have moderate premiums. The costs for medical care are also moderate and have a lower deductible. If you need some medical care throughout the year, you might want to explore a silver plan.
Gold
Gold health insurance plans have higher monthly premiums, but lower monthly costs. The deductible is also lower than the previous two plans. It’s an excellent choice if you or your family need regular medical care.
Platinum
Platinum health insurance plans have higher premiums but the lowest monthly costs. If you need a lot of medical care during the year and can afford the monthly payments, this is a good choice for you.
Get a Quote for Health Coverage in Miami Today
Our staff is here to guide you through the process of getting health insurance in Miami. Get in touch with us today to being your application for health insurance.