Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.

Health Insurance in Miami, FL

Health insurance in Miami, Florida, is a financial product that provides individuals and families with coverage for medical expenses. This coverage can encompass a wide range of healthcare services, including doctor's visits, hospital stays, prescription medications, preventive care, and more. Health insurance is essential for ensuring that residents of Miami have access to the healthcare they need, without facing exorbitant out-of-pocket costs. It serves as a safety net, protecting individuals and their finances in the event of illness, injury, or unexpected medical conditions. In Miami, there are various health insurance options available, including plans offered through the Health Insurance Marketplace, employer-sponsored plans, and private insurance plans, allowing individuals to choose the coverage that best suits their needs and budget.

Looking for the Right Health Insurance in Miami?

If you're in search of the right health insurance plan in Miami, look no further than CSD Financial Group. Our experienced team at CSD Financial Group, located at 14625 NW 15th Dr, Miami, FL 33167, is dedicated to helping you find the health insurance coverage that meets your unique requirements. We understand the intricacies of the healthcare landscape in Miami, and we're here to provide expert guidance. Whether you're an individual, a family, or a small business owner, we can tailor a health insurance plan to suit your needs and budget. To get started on securing your health and well-being, contact us at (786) 274-3864. Let us help you navigate the world of health insurance and ensure that you have access to the healthcare services you need in Miami, FL.

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
High Deductible Health Plan (HDHP)
  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
Catastrophic Health Insurance Plan
  • A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. 
  • Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
  • Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.

    Contact us to learn more about the right health insurance for you.
(786) 274-3864​
14625 NW 15th Dr
Miami, FL 33167​
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